Lyfords fourth quarter newsletter 2023 – review
Lyfords quarterly newsletter reviews key financial market events that have impacted portfolio returns. Each quarter...
The four phases of retirement
Retirement is a significant life transition that typically unfolds in four distinct phases, each marked...
Information overload
How to manage information overload Information overload is a state in which an individual is...
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 – How to overcome them
Many people struggle with the basic concepts behind long-term, highly diversified investing. It’s a matter...
Staying the course vs timing the market
Investing can be a daunting journey, filled with uncertainty and fluctuation. Two common approaches that...
Receiving an inheritance
Receiving an inheritance can present various challenges, especially when it involves a substantial influx of...
Expenditure patterns of retirees
A research paper published in August 2023 and funded by Te Ara Ahunga Ora Retirement...
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...
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, are they still viable?
With the changes around the interest deductibility of loans for rental properties are they still...
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...
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...
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...
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...
Missing the best performing days
Long-term investing versus speculative investing is very much about having patience and riding out the...
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...
Worried about the share market?
Why long-term investing is crucial Imagine it’s 25 years ago, 1997: J.K. Rowling just published...
The average market return
Investors need to realise to get the average market return that investment returns do fluctuate...
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 – checklist
Get your affairs in order before you die Losing your parent or partner is one...
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...
The value of advice quantified
The Financial Services Council surveyed 2,000 New Zealanders in March 2020 and found those people...
David Booth on Forecasting Returns
In this video Dimensional Fund Advisors' founder David Booth shares his perspective on the limitations...
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...
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 mechanical computer
William Phillips originally an electrical engineer who became an economist in the 1950's designed a...
Alison coping with breast cancer
Alison Renfrew was diagnosed with breast cancer on 5th December 2006. The image above is...