Maximizing Retirement Wealth - Compounding Returns
Compound Wealth Blog
by Zoe Moller
4d ago
Welcome to Compound Wealth, where we empower investors with the knowledge and strategies to maximise their retirement savings through the magic of compounding returns. In this blog post, we'll delve into what compounding returns are, why they matter for your retirement, and practical steps you can take to leverage them effectively. Understanding Compounding Returns At the heart of successful retirement planning lies the concept of compounding returns. Simply put, it's the snowball effect where your investment returns generate earnings, which are then reinvested to generate even more returns. O ..read more
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New Zealand vs Australia | Aussie Super vs KiwiSaver
Compound Wealth Blog
by Compound Wealth
5d ago
This post was originally written and shared here on 11th July, 2024 by Xavier Waterstone of QuayStreet. Waterstone unpacks how: New Zealand’s KiwiSaver tax and contributions regime results in poorer outcomes for retirement balances versus Australia’s superannuation system. KiwiSaver, originally envisioned as a cornerstone of New Zealand’s generational prosperity, was created to encourage saving for retirement, implicitly acknowledging a future where the public pension (NZ Super) would no longer be able to adequately provide for an ageing population. Beneath this notion of what KiwiSaver was de ..read more
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Rethinking Retirement
Compound Wealth Blog
by Compound Wealth
5d ago
This post was originally written and shared in July, 2024 by Damon Obrien – Investment Director at Consilium. This image of a man presenting his certificate for payment of the Old Age Pension appeared in the Auckland Weekly News, 29 September 1899 The concept of retirement has changed considerably in the last 143 years. In 1881, Otto von Bismarck, the conservative president of Prussia, presented a revolutionary idea to the Reichstag – that the government should provide financial support to older members of society. In other words, a government sponsored retirement. The idea was radical becau ..read more
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Our Choice in Ethical KiwiSaver Fund Options
Compound Wealth Blog
by Compound Wealth
6d ago
Ethical investing is the practice of using an ethical framework as a primary filter for how to select investments and it is certainly taking centre stage around the globe, with KiwiSaver being no exception. With over 3 million people taking part in the scheme, and almost $100 billion in funds invested, KiwiSaver is a fantastic opportunity to invest in companies that have a positive impact socially and on the environment. Ethical Investment Approach: Positive and negative screening How do KiwiSaver providers make their funds ethical? Ethical KiwiSaver schemes often refer to their investment app ..read more
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Term deposits are paying 6%, should I abandon my investment strategy? 
Compound Wealth Blog
by Compound Wealth
6d ago
Post originally written and shared on 17 January 2024 by Ben Brinkerhoff, Head of Advice at Consilium Money in the bank? The former BNZ on the corner of Lambton Quay and Customhouse Quay in Wellington. A question being asked by some investors today is whether they should change their investment strategy because term deposits are paying 6%. Their logic goes something like this: “When I look back on the last few years in my portfolio, I haven’t earned close to 6%. If I can get 6% in term deposits that’s a higher return with more safety. Why wouldn’t I do that?” Although term deposits ..read more
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The bucket approach to retirement income for New Zealanders
Compound Wealth Blog
by Adam Stewart
3w ago
At Compound Wealth we empower retirees in New Zealand to navigate their financial futures with confidence. In this blog post, we'll explore the bucket investment approach—a strategic method designed to provide a steady income stream while maintaining long-term growth potential through careful asset allocation. Understanding the Bucket Investment Approach The bucket investment approach divides your retirement savings into distinct "buckets" or tiers, each fulfilling a specific purpose: Short-term bucket (Cash and Cash Equivalents): This bucket is reserved for funds needed for immediate expe ..read more
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How to Move KiwiSaver Funds to Australian Super
Compound Wealth Blog
by Compound Wealth
1M ago
Considering a move from New Zealand to Australia or somewhere else? You’re not alone. According to Stats NZ migrant departures from New Zealand are up 31% for the provisional March 2024 year compared with the March 2023 year. In the year ended September 2023, migrant departures from New Zealand to Australia made up 53% of all New Zealand citizen migrant departures. That over half of all New Zealand migrants ending up in Australia. While there are plenty of Australians jumping the ditch and migrating to New Zealand, traditionally there has been a net migration loss from New Zealand to Australia ..read more
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The Pilgrimage to Omaha
Compound Wealth Blog
by Zoe Moller
2M ago
Compound Wealth was lucky to have joined the annual pilgrimage to Omaha, Nebraska in the US for the Berkshire Hathaway 2024 Shareholders Meeting earlier this month. We were also lucky to get a private tour of the New York Stock Exchange and watch the closing bell ring in! As many CW clients will know Berkshire Hathaway is a US holding company run by legendary investor, Warren Buffett, that owns a diverse range of private businesses and significant interests in public companies such as Apple. We all queued up early in the morning and rushed to get seats as soon as the doors opened at 7:00am. Th ..read more
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What’s the best performing KiwiSaver Fund? March 2024 Update
Compound Wealth Blog
by Adam Stewart
2M ago
March marked the end of the first quarter of 2024, and investors have had a positive journey so far this year. We’ve seen a continuation of the markets and portfolios’ strong performance from 2023. One of the drivers behind this performance has been the underlying strength of the global economy. However, unlike in 2023, where we saw global share markets being driven by a select few large technology companies, we have seen a broadening of global market returns recently (that is, a broader number of sectors contributing to market returns). To help New Zealand investors assess the past performanc ..read more
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Best performing KiwiSaver funds going into 2024
Compound Wealth Blog
by Adam Stewart
5M ago
After a soft 2022 for markets, many investors were apprehensive about what 2023 would deliver. The year began with inflation still elevated, central banks continuing to increase interest rates, and many were concerned about the possibility of a global recession. On top of that, Kiwis were faced with the impacts of Cyclone Gabrielle and a slowing housing market, whilst globally we saw the collapse of several US banks, the continuation of the war in Ukraine, and a new conflict arise in the Middle East. Despite all of these concerns, markets delivered very strong returns for the year. Global shar ..read more
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