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Sam Goldwater

Sam Goldwater

Generate Focused Growth 1st for 3 year performance

Posted in Kiwisaver, Savings on

The recently released FundSource Performance Tables show the Generate Focused Growth Fund 1st out of 29 growth funds for 3 year performance!

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Theres almost no chance young investors will lose money over 40 years

Posted in Retirement, Savings on

Many people — especially young people — avoid the stock market because they fear risk. But that fear may be misplaced, according to a recent investment risk analysis performed by personal finance website NerdWallet.

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Sam Goldwater

Sam Goldwater

Alibaba Adds $42 Billion in Market Cap on Strong Sales Forecast

Posted in Savings on

Members in Generate’s growth funds have a small part of their accounts invested in Alibaba via the Polar Capital Technology Trust Plc. and T Rowe Price Global Equity Fund.

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Weini Winslow

Weini Winslow

Janine Starks: A million-dollar reason to change funds

Posted in Kiwisaver, Retirement, Savings on

I'd do anything for love. Would you? Then get your kids out of KiwiSaver default funds. You've guided them into signing up. Tick. You've got them putting in the maximum they can afford. Tick. But you've got no idea what sort of fund they should be in. Two out of three aint bad? Well it might be okay if you're Meatloaf, but it falls short when it comes to investment. A million dollars short for some.

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Get your free Government money

Posted in Kiwisaver, Savings on

Would you like free money? How about $500, and you barely have to do a thing? This time of year is all about tax. Just the word is enough to give some people the shudders, but resist the urge. Think instead of the free money going begging, and how easy it can be to get hold of your slice of the pie.

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Get Sorted: Why KiwiSaver balances go up... and down

Posted in Kiwisaver, Savings on

Quick question: what's the difference between a savings account and a KiwiSaver account? Short answer: when you put money in, the first always goes up, but the other goes up and down. That's no small thing. And while we personal finance folks like to go on about the magic of compounding for both saving and investment, sometimes we'd be better off pointing out how different the two are. The one caveat to saying that a savings account always goes up is inflation. Savings can actually roll backwards as well, when you bring inflation into the picture. You're adding money, but its real value and how much it can buy gradually becomes less and less. This is why we need investing.

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Poor choices making KiwiSavers worse off

Posted in Kiwisaver on

The latest KiwiSaver fund updates show that scheme members are probably leaving hundreds of thousands of dollars on the table because of their conservative approach to investing. New Zealanders scour the web looking for the cheapest clothes, airline tickets, hotels and electricity deals but this low-cost approach may backfire when it comes to KiwiSaver because the lowest-fee funds have generally delivered the lowest returns in recent years. This low-fee strategy could be costing investors $100,000 or more on retirement.

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Nicola Hines

Nicola Hines

Can you afford to retire without a house?

Posted in Retirement, Savings on

For decades, the path to a comfortable retirement for middle-income Kiwis had three key steps: buy a house, pay it off before retiring, and save hard for as long as possible to amass a decent nest egg. But soaring home prices are making it harder to get on the property ladder, putting at risk the first step in that well-trod plan.

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Weini Winslow

Weini Winslow

The Truth About Earnings and Stock Valuations

Posted in Savings on

We thought this article on Bloomberg was interesting and backs up our philosophy that you should never rely on just one methodology when valuing a stock.

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Henry Tongue

Henry Tongue

1 in 3 Americans have $0 saved for retirement

Posted in Retirement on

Saving for retirement is not an area of financial strength for Americans. Too often, meeting the financial demands of today means delaying, diminishing or simply never starting to save for tomorrow. “There are plenty of obstacles Americans claim are in their way when it comes to saving for retirement: credit card debt, student loan debt, low wages, the need to save for a child’s college education, and the list goes on,” said Cameron Huddleston, Life + Money columnist for GOBankingRates. “Although all of these things can put a strain on our budgets, they don’t necessarily make it impossible to save for retirement.”

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