by Richard Renfrew | Nov 5, 2025 | Investing
Written by: Richard W Renfrew (Financial Adviser) Signs Pointing to a Bubble Valuation Surge: AI-related companies have seen valuations skyrocket, often far beyond their current earnings or proven business models. Speculative Spending: Trillions are being...
by Richard Renfrew | Nov 5, 2025 | Investing
Have you considered how much money you are losing by having your money in term deposits? Over the last 10-years ending December 2024 the average return on a 6-month bank term deposit in New Zealand was 3.3% per year. That’s 3.3% before tax and inflation. Over the same...
by Richard Renfrew | Apr 27, 2025 | Investing
Investing can sometimes feel like a black hole, pulling in as much time and energy as you’re willing to give. As one busy professional put it: “It used to consume my evenings and weekends.” With recent tariff threats stirring fresh market turbulence, that...
by Richard Renfrew | Sep 6, 2024 | Investing
The chart shows the percentage of top-ranked funds that remained on top after 5 years. You might think that selecting investments based on past performance might continue to deliver the best performance. Research shows that most funds ranked in the top 25% based on...
by Richard Renfrew | Sep 5, 2024 | Investing
The chart shows the average annualised outperformance of companies before and after they entered the Top 10 shares on the US share market. The ‘Magnificent Seven’ refers to the high performing tech shares Alphabet (formerly Google), Amazon, Apple, Meta...
by Richard Renfrew | Sep 5, 2024 | Investing
Looking at the evidence of how US Presidential terms have affected US share markets its evident that the outcome of an election is only one of many inputs affecting share markets. What the chart shows is that there is a consistent upward trend regardless of the...
by Richard Renfrew | Jun 19, 2024 | Investing
Prior to April this year (2024) retained income in Family Trusts was taxed at 33%. After April retained income over $10,000 will now be taxed at 39%. NOTE: Income that is paid out to beneficiaries before the end of each tax year will still be taxed at the...
by Richard Renfrew | Nov 7, 2023 | Investing
How to manage information overload Information overload is a state in which an individual is exposed to an excessive amount of information, to the point where it becomes difficult to process, absorb, or make informed decisions. This overload can occur in various...
by Richard Renfrew | Sep 26, 2023 | Investing
Many people struggle with the basic concepts behind long-term, highly diversified investing. It’s a matter of human nature. They are overwhelmed by fear or greed. They feel it is too late to invest. They cling to misperceptions about risk and return. In this article,...
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 | 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....
