Author Archives | lizkoh

Tax Checkups

Another tax year has gone by and that is a trigger to check up on a few things. Not everyone is required to send in a tax return every year and so it is easy to let things slip by that should be attended to. Firstly, check to see if you are entitled to a tax refund.

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Using Interest-Only Mortgages

An interest-only mortgage, as the name suggests, is one where no principal repayments are required to be made during the term of the loan. It is usual for an interest-only mortgage to be interest-only for a fixed period of time, such as two years or five years, after which it can either be converted to […]

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What to do with an Inheritance

Receiving an inheritance presents a dilemma. Should it be spent on making dreams come true, or should it be conserved for retirement? A safe strategy would be to calculate the lump sum required to provide sufficient income for retirement and set that amount aside in a long term investment portfolio.

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Investing in your Home

Let’s get it straight; your home is not an investment. While property appreciates in value over time, the best property to own from an investment point of view is a property that produces rental income as well as capital gain.

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When to Start Investing

Starting an investment portfolio is usually somewhere near the bottom of a priority list for young people entering paid employment, who at that stage of life just want to have a good time. Of course, many employees are now members of KiwiSaver, which makes them investors, at least to the extent of 3% of their pay.

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A Regular Retirement Income

Most people dream of a comfortable retirement where a regular income flows into their bank account that is sufficient to cover more than just basic needs. For many retirees, this dream never becomes a reality.

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Good and Bad News for First Home Buyers

Finding the deposit for a first home is a huge financial hurdle and around two thirds of first home buyers obtain a high loan-to-value ratio (LVR) loan. The LVR is simply the amount of lending compared to the value of the property, and an LVR of more than 80% is considered to be high.

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Relationship Property Basics

Statistics show that at least a third of marriages and de facto relationships fail. Being aware of the financial consequences of the end of relationship means you can put in place strategies to protect the property you acquired before the relationship and protect your rights to a share of property acquired during the relationship.

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Don’t Eat Your Money

Don’t Eat Your Money

he biggest expense for a young family is the cost of housing. Rent and mortgage payments are fixed costs which can only be reduced by moving to a cheaper house, so when it comes to saving money we need to look at the next biggest expense, and that is the weekly shopping bill.

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Rent or Buy?

Rent or Buy?

Property prices have fallen significantly over the last two years making houses much more affordable than they have been for some time. Despite this, buyers are still in short supply.

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Make your Mortgage Manageable

Make your Mortgage Manageable

Mortgagee sales are on the increase as a result of the recession and the property market downturn. If you are struggling with your mortgage payments how can you avoid having to sell your house? Here are a few tips that could help.

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When Retirees Run out of Money

When Retirees Run out of Money

One of the biggest financial risks faced by retirees is that they will run out of money before they run out of time.

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A Guide to UK Pension Transfers

A Guide to UK Pension Transfers

Immigrants from the UK and New Zealand residents who have worked in the UK usually find themselves leaving behind their locked-in pension funds when they arrive in New Zealand. This can present a number of difficulties.

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Use Market Volatility to Make Money

Use Market Volatility to Make Money

Investment markets move in cycles and it’s difficult to forecast when they’ll rise or fall. Moving your money in and out of the market during a downturn means you could potentially miss out on any positive bounce in a strong market recovery.

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What to do when Sharemarkets Fall

What to do when Sharemarkets Fall

It’s easy to invest when markets are running smoothly but when they fall your confidence can be sorely tested. More uncertainty in investment markets means more volatility and a need to review your investment strategy.

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How to Manage your Money in Retirement

How to Manage your Money in Retirement

One of the biggest challenges in retirement is how to invest your money to provide an income while still protecting yourself against the eroding effects of inflation and income tax.

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