Sage Advice: One tip at a time

Sage Advice: One tip at a time

Richard Holden, Founder and Principal of Milestone in Christchurch shares some of his top tips. “My other piece of advice, Copperfield” said Mr Micawber “You know, annual income twenty pounds, annual expenditure nineteen pounds nineteen and six,...
Did You Know?

Did You Know?

Bonds under-perform stocks the longer you stay invested. This table reminds us of a key foundation of investing. Time frames are crucial in figuring out what to invest in. Long term, stocks win. Need some of your money to spend inside a few years, then cash is king,...
What is Good Debt and Bad Debt?

What is Good Debt and Bad Debt?

Bad Debt Is any borrowings that are used to purchase something that drops in value or has even no value after buying it. This includes ?easy finance? from places such as furniture stores. A holiday, a car or even a spa are further examples. You are in effect paying...
Humans are programmed to avoid risk

Humans are programmed to avoid risk

Over tens of thousands of years, humans have developed this trait and for most instances in life it has been very useful (in the early days it stopped us getting eaten or being drowned). When it comes to investing however, successful investors embrace risk. Yes, it is...
Bonus Bond Wind-up

Bonus Bond Wind-up

One of our team quipped that ?gaining a half decent payout from these bonds was like laying bricks end to end the length of NZ with your one painted white and then having a blind man randomly tapping his cane on yours as the winner?. Despite this ?hope? has always...