Retirement Planning and Sustainable Withdrawal Rates
Introduction Planning for retirement can be overwhelming, especially when it comes to figuring out how much you can safely withdraw from your savings each year without running out of money. This is what we call the Sustainable Withdrawal Rate. In this article, we’ll explore different withdrawal strategies to help you make an informed decision. How […]
New Zealand’s Active Investor Plus Visa: Changes from April 2025
New Zealand’s Active Investor Plus Visa – Changes Coming in April 2025 The Active Investor Plus Visa is undergoing significant changes from April 2025, aimed at attracting high-value investors to New Zealand. If you are considering an investment-based pathway to residency, these updates could provide new opportunities to invest and settle in New Zealand. In […]
When should you transfer your UK pension to a NZ QROPS?
If you have lived or worked in the UK, you may have accumulated pension savings in a UK scheme. When moving to New Zealand, you have the option of leaving your pension in the UK or transferring it to a New Zealand scheme. While this might sound straightforward, the decision requires careful planning due to […]
Implementing your strategy and incorporating your investment preferences
Building a successful investment portfolio requires not only selecting the right mix of growth and defensive assets, but also incorporating investment preferences such as sustainability and deciding on an investment style (e.g., passive vs. active investing). In this post, we explore how investors can align their portfolios with Environmental, Social, and Governance (ESG) principles, choose […]
Growth and Defensive Assets
When planning an investment portfolio, one of the most critical decisions is how to allocate assets between growth and defensive investments. The right balance between these two asset classes determines your portfolio’s risk, return potential, and ability to withstand market fluctuations. In this blog post, we’ll explore growth and defensive assets, their roles in portfolio […]
Risk Factors and Portfolio Construction
When it comes to investment planning, determining how to allocate assets is one of the most crucial decisions investors face. With a vast array of investment choices, creating a well-diversified portfolio that balances growth, risk, and preferences (such as sustainability) can seem overwhelming. In this blog post, we explore risk factors, the concept of risk […]
Investments and Asset Classes
When it comes to investment planning, deciding how to allocate your assets is one of the most important decisions you’ll make. With so many options available, selecting the right investments and balancing them within a diversified portfolio can feel overwhelming. In this blog post, we break down key asset classes, their roles in the market, […]
Update on immigration to New Zealand with Karen Justice from New Era Consulting
New Zealand’s immigration landscape has experienced notable changes aimed at attracting skilled professionals and investors. In a discussion with Karen Justice recorded in December 2024, a Licensed Immigration Adviser with nearly 30 years of experience and founder of New Era Consulting, these developments were explored to provide insights for prospective migrants. Key Updates in New […]
US Citizens Moving to NZ: Interview with tax and relationship property expert Julia Johnston
Moving from the United States to New Zealand presents unique challenges, particularly concerning tax obligations and relationship property laws. In a discussion recorded in September 2024 with Julia Johnston, a tax and relationship property expert, these critical topics were explored to provide clarity for U.S. citizens considering such a move. Tax Residency and Transitional Residency […]
Should US Citizens join KiwiSaver?
Introduction KiwiSaver is New Zealand’s voluntary retirement savings scheme, offering attractive benefits like employer matching and government contributions. However, for United States citizens (and green card holders) living in New Zealand, KiwiSaver can become complicated due to U.S. tax obligations. The U.S. taxes its citizens on worldwide income, so even if your KiwiSaver grows tax-free […]
