by Richard Renfrew | Sep 21, 2023 | Investing
Investing can be a daunting journey, filled with uncertainty and fluctuation. Two common approaches that investors often grapple with are “Staying the Course” and “Timing the Markets.” In this blog article, we will explore these two investment...
by Richard Renfrew | Sep 16, 2023 | Investing
Receiving an inheritance can present various challenges, especially when it involves a substantial influx of cash, investments, real estate, and valuable assets all at once. This can make it daunting to determine the most appropriate way to manage these newfound...
by Richard Renfrew | Aug 23, 2023 | Retirement
A research paper published in August 2023 and funded by Te Ara Ahunga Ora Retirement Commission, looked at where New Zealanders in retirement are spending their income. The question posed in the study was “what level of income is required to sustain an...
by Richard Renfrew | Jul 18, 2023 | Newsletter - Quarterly
Lyfords quarterly newsletter reviews key financial market events that have impacted portfolio returns. Each quarter we have an article on a financial issue we believe will interest our clients. In addition we often post news updates and blogs on our web site at...
by Richard Renfrew | Jul 6, 2023 | Financial advice
I thought it might be useful to share how I go about identifying if an email or text is a scam. We have previously posted a blog on this Information hygiene and Scams. Firstly never click on a link to take you to another web site to enter your details. Always go...
by Richard Renfrew | Jun 18, 2023 | Financial advice
“My husband left our children and me to move in with another woman”. The above comment is one I’ve heard several times over the decades. It can be devasting when a partner, whom you believed would be with you forever, suddenly announces that they have elected a...
by Richard Renfrew | Jun 18, 2023 | Insurance
As you get older health insurance premiums can get very expensive. When should you cancel your cover? Insurance is expensive because the older we get the more we start to fall apart. I speak with experience. We get older and our bodies disappoint us. I go to bed at...
by Richard Renfrew | Apr 20, 2023 | Newsletter - Quarterly
Lyfords quarterly newsletter reviews key financial market events that have impacted portfolio returns. Each quarter we have an article on a financial issue we believe will interest our clients. In addition we often post news updates and blogs on our web site at...
by Richard Renfrew | Apr 16, 2023 | Property
With the changes around the interest deductibility of loans for rental properties are they still an attractive form of investment? In the past the rule has always been; if a loan is made to buy a taxable income stream, such as a share portfolio, rental property, or a...
by Richard Renfrew | Apr 13, 2023 | Financial advice
An area of our web site that is under utilised is our financial calculators. There are 11 calculators under the ‘Calculators’ tab. Richard originally developed these when he was in hospital following a ski accident and in was in traction for 10 days back...
by Richard Renfrew | Mar 14, 2023 | Investing
The Big Mac Index is a humorous yet widely used economic indicator that measures the purchasing power parity (PPP) between different currencies. It was created by The Economist magazine in 1986 as a way to make international economics more understandable to readers....
by Richard Renfrew | Mar 14, 2023 | Investing
Silicon Valley Bank – minimal portfolio exposure Two US banks, Silicon Valley Bank and Signature Bank, have gone into a government-controlled wind down. Silicon Valley Bank was among the largest 20 US banks and was affected by the loss of value of their bonds as...
