The four phases of retirement

The four phases of retirement

Retirement is a significant life transition that typically unfolds in four distinct phases, each marked...
information overload

Information overload

How to manage information overload Information overload is a state in which an individual is...
Economies reviving

Lyfords third quarter newsletter 2023 – economies improving

Lyfords quarterly newsletter reviews key financial market events that have impacted portfolio returns. Each quarter...
10 obstacles to investing

10 Obstacles to investing – How to overcome them

Many people struggle with the basic concepts behind long-term, highly diversified investing. It’s a matter...
staying the course

Staying the course vs timing the market

Investing can be a daunting journey, filled with uncertainty and fluctuation. Two common approaches that...
Investing an inheritance

Receiving an inheritance

Receiving an inheritance can present various challenges, especially when it involves a substantial influx of...
Retiree expenditure study

Expenditure patterns of retirees

A research paper published in August 2023 and funded by Te Ara Ahunga Ora Retirement...
Economic discussion and inflation

Lyfords second quarter newsletter 2023 – post inflation

Lyfords quarterly newsletter reviews key financial market events that have impacted portfolio returns. Each quarter...

How to identify a scam

I thought it might be useful to share how I go about identifying if an...

When it rains it pours. Lessons from a financial adviser

“My husband left our children and me to move in with another woman”. The above...

When should you stop paying for health insurance?

As you get older health insurance premiums can get very expensive. When should you cancel...
Lyford Financial Services quarterly newsletter

Lyfords first quarter newsletter 2023 – post Covid recovery

Lyfords quarterly newsletter reviews key financial market events that have impacted portfolio returns. Each quarter...
Rental properties tax rule changes

Rental properties, are they still viable?

With the changes around the interest deductibility of loans for rental properties are they still...
Lyfords financial calculators

Financial calculators

An area of our web site that is under utilised is our financial calculators. There...

The Big Mac index and relative exchange rates

The Big Mac Index is a humorous yet widely used economic indicator that measures the...

Silicon Valley Bank failure – portfolio exposures and implications

Silicon Valley Bank - minimal portfolio exposure Two US banks, Silicon Valley Bank and Signature Bank...
Investing in individual shares

Why investing in individual shares is gambling – My Food Bag, Laybuy

In the news this month the sharp share price declines of My Food Bag and...

Retirement villages – pros and cons

 What do you need to consider? Updated February 2023 There are over 48,000 residents in...
missing share market gains

Could sitting on the side-lines pose a bigger risk this year?

Last year was a difficult year for share and bond markets. Markets were negatively impacted...
Index versus Smart Beta Funds

Smart Beta vs Index Funds

What are Smart Beta Funds? Smart beta investing is an investment strategy that seeks to...

A decade of difference – value vs growth

Let's look at the evidence why the portfolios we recommend have a tilt to value...

Information hygiene and Scams

The following article is from Dimensional Fund Advisors The pandemic showed the power of a...
Share market timing

Missing the best performing days

Long-term investing versus speculative investing is very much about having patience and riding out the...
share markets undervalued

Why now is a good time to invest

Share markets this year have fallen faster than we have seen in more than 40...

Investing in a VUCA World

The acronym, VUCA was first used in 1987 with students at the US Army War...

Seven lessons on riding out the storm

The best response for investors at the moment is to focus on what you can...

Market returns through a century of recessions

Lessons from history What does history tell us about share market returns after a period...
investing long-term

Worried about the share market?

Why long-term investing is crucial Imagine it’s 25 years ago, 1997: J.K. Rowling just published...
average market return

The average market return

Investors need to realise to get the average market return that investment returns do fluctuate...
value premium

The value premium

The work of Fama & French showed the three key drivers of long term performance...

Property Price Expectations

Property has produced extraordinary investment returns for New Zealanders over the last decade. Many investors...

The SPIVA scorecard

SPIVA (Standard & Poors Index vs Active) research is a very extensive study looking at...
estate planning

Estate planning – checklist

Get your affairs in order before you die Losing your parent or partner is one...
staying the course

Time in the markets vs timing the markets

The cost of trying to time the markets The impact of missing just a few...

Fund managers rarely outperform the market for long

Article from The Economist, Buttonwood June 24 2017 Sheer luck is as good as past...

Business will never go out of business – Covid-19

While the impact of Covid-19 on world economies has not fully played out and portfolios...
Trusted Adviser Mark - mark of excellence for financial advisers

The value of advice quantified

The Financial Services Council surveyed 2,000 New Zealanders in March 2020 and found those people...
David Booth Dimensional

David Booth on Forecasting Returns

In this video Dimensional Fund Advisors' founder David Booth shares his perspective on the limitations...
Hidden fees in currency conversions

Hidden fees in currency transactions

Beware of the hidden fees charged by banks While banks often disclose for overseas money...

The randomness of investment returns

The folly of chasing returns When you look at world share market returns are there...
NY Stock Exchange

How the Dow Jones Index has performed over 120 years

In 2016 Chris Kacher, MoKa Investors published a graph of the Dow Jones Industrial Average...

Eugene Fama’s Noble Prize – Efficient Markets

The 2013 Nobel Prize in Economics was awarded to Eugene Fama, with two others, for...

The right time myth

When is the right time to invest? Some investors say they will wait to invest...

Dr Richard Thaler, Nobel Prize in behavioural finance

What can we learn  from Thaler's research in attitudes and behavioural finance? Do investors behave...
macro economic model of the economy

Macro-economic mechanical computer

William Phillips originally an electrical engineer who became an economist in the 1950's designed a...
x-ray showing breast cancer tumour

Alison coping with breast cancer

Alison Renfrew was diagnosed with breast cancer on 5th December 2006. The image above is...

Contact us