finery

When people think about investing, it’s common to hear talk of forecasted returns or what markets “might do next.” While it’s natural to wonder about the future, relying on predictions alone isn’t a reliable way to make long-term investment decisions. Good investment advice focuses less on forecasts and more on establishing a clear, structured process …

Why good investment advice focuses on process, not predictions Read More »

After a couple of very challenging years for borrowers, 2025 has finally brought some relief. The Reserve Bank has cut the Official Cash Rate (OCR) to 2.25% following its November update. So what might 2026 look like for home loan customers, and what conversations might they be having with their advisers? Where things stand now …

What could 2026 bring for borrowers? Read More »

2025 has been another unpredictable year for investors. Global and New Zealand markets navigated a mix of economic recovery, renewed trade tensions, and geopolitical uncertainty, all of which tested confidence at times. Yet despite the turbulence, many diversified investors appear to have finished the year in positive territory, showing that uncertainty and opportunity often go …

What shaped financial markets in 2025, and what’s next? Read More »

The Reserve Bank of New Zealand has reduced the Official Cash Rate (OCR) by 25 basis points to 2.25%, continuing the gradual easing cycle that began in 2024. This latest decision reflects growing confidence that inflation is easing, while the wider economy is still in the early stages of recovery. At the same time, the …

Latest Reserve Bank decision: OCR cut to 2.25% Read More »

Your insurance is like a safety net, that can provide financial protection for you and your loved ones when life’s unexpected events occur. However, your life doesn’t stand still – your needs, goals, and circumstances can change over time. That’s why it’s essential to regularly review and ensure your insurance is up to date, so …

Four ways to check your insurance is up to date Read More »

When you’re in the market for a home, having a pre-approval can be a great advantage. It means you know how much you can borrow and gives you a sense of what properties to look at. While some people see pre-approval as just a box to tick, used strategically it can be a genuine advantage …

Turning pre-approval into property-buying power Read More »

When exploring mortgage options, it’s easy to focus on interest rates. A lower rate can mean lower repayments, but just as important is how your loan is structured. The structure of your mortgage can affect how much interest you pay over time, how easily it fits into your budget, and how flexible it is if …

Why loan structure matters more than you think Read More »

The Retirement Commission has welcomed several of the Government’s KiwiSaver changes announced in Budget 2025, stating that early estimates suggest many New Zealanders could end up with more money saved for retirement. The changes include a gradual increase in contribution rates, a reduction in government contributions, and expanded eligibility for younger members. With around 3.4 …

KiwiSaver changes expected to boost retirement savings for many Read More »