Investing for the future

Identifying your investing goals and selecting the right tool to do the job is crucial - whether you’re saving for retirement, a first home purchase, or an investment for your children. Knowing why you’re investing, helps determine what the right choice of investments are for you.

We advise on both investment funds and KiwiSaver and make sure these fit together to give you the best mix of investments to meet your needs. 

Your investments should be chosen to match your time frame. The longer your investment timeframe, the easier it is to weather the ups and downs of the market and achieve long term growth.

Lower-risk investments like bank deposits or bonds are less likely to suddenly fall in value than higher-risk investments like shares. But if you can tolerate higher risk, there is a better chance of achieving greater returns in the long run with shares.

The key to sensible investment is to divide up your money based on when you expect to spend it, then spread and store it in the type of investment most suited to your spending timetable. Short term investment goals and long term investment goals are invested differently. 

Diversifying doesn’t mean lots of term deposits with different banks. Diversifying means different types of investments, in different countries, in different industries, in different currencies, etc.

Diversifying means literally thousands of different investments across a whole range of categories each of which are exposed to differing risks to minimise the chances of too much of your capital being affected by any one risk.