Risk

The following is a selection of articles mainly from January 2005 to the present. To explore this topic in more depth and access earlier columns, please use the search box.

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Articles

NZ Herald December 8 2007

Q&As: Why 20 shares are much better than two.
Reader claims diversification is not a great idea. I disagree.
Is land a lower risk investment than a share fund?

NZ Herald February 10 2007

Q&As: The warning signs in investment ads
Should we adjust investment returns to allow for inflation?
How best to assess long-term returns on shares and property
How to tell if an Australian company qualifies for the tax exemption

NZ Herald December 9 2006

Money column for December 9, 2006

Win a ticket to a seminar
Q&As: Should retired couple invest in a commercial property? Why take on that risk?
Can we predict NZ dollar movements?
When is it best to change money from US to NZ currency.
A US website that evaluates international charities.
Yet another charity offers a Christmas gift programme.

NZ Herald November 18 2006

Q&As: Should we get bigger tax deductions for donations to charity? Also - give Christmas gifts to those who really need them.
Readers disagree over the price of a 1950s pie.
Buying shares company by company, over the years, not the best strategy.
Is the new proposed tax on international shares fair?

Syndicated column August 15 2006: Stop loss orders a dead loss

A reader writes that he is concerned about my advice in my last column.

"Your two rules of share investing are to a) diversify (i.e. neutralize returns), and b) not sell when the market bombs," he writes. "One would have hoped you would have added a third - enter a stop loss to avoid catastrophic loss if/when the market does bomb."

Not in my rulebook.

NZ Herald August 5 2006

Q&As: Typical but rich women ask how to find an adviser.
Does local government keep house prices up? And will they ever fall?
Let's not have the government meddling in the housing market.
Doing your homework doesn't necessarily help share investment.

NZ Herald February 4 2006

Q&As: Man who has made $3 million from shares.
How much risk for a 53-year-old?
How good is advice from banks?

NZ Herald January 28 2006

Q&As: 27-year-old overseas doesn't need more than 4 rentals in NZ.
Should more conservative 26-year-old get revolving credit mortgage?

NZ Herald January 21 2006

Q&As: Shares v term deposits - it depends how much time you have.
Short-of-cash millionaires should try to renegotiate their mortgage.
When is a 2% penalty not 2%?

Holm Truths summer 05-06

Can you get rich quick?: Only by taking big risks

Also in this issue: From the Mailbox - Spending in retirement

Syndicated column September 20 2005: Wellington and Christchurch dwellers big spenders and risk takers

So much for Aucklanders' image as the big spenders, risk takers and owers of debt!

Wellington and Christchurch dwellers are more inclined to put some of their savings into high-risk, high-return investments than Aucklanders, a recent survey shows.

Syndicated column August 9 2005: One bad apple - New Zealanders are bad at diversifying

Most New Zealand shareholders are frighteningly undiversified. About 24 per cent of share investors own shares in just one company, and another 36 per cent hold shares in two to five companies, according to recent research by the stock exchange, NZX, and sharebrokers ABN AMRO Craigs.

Why does it matter? Two reasons:

Syndicated column July 12 2005: Complexity of financial products no accident

Confirmation, at last, of what we've suspected all along: Providers of financial products may deliberately make them sound complicated.

Holm Truths autumn 04

'His & Hers' investment styles - How gender affects the way we invest

Also in this issue: From the Mailbox - Borrowing to invest, eg in a rental property

Holm Truths autumn 03

Emotions and investing: The way we feel affects our investing in ways we are not aware of

Also in this issue: Great Debate - Term deposits v corporate bonds

Holm Truths summer 02-03

Lessons from past mislead: Investing in what did well last year, or selling what did badly, usually does more harm than good

Also in this issue: Great Debate - Low v high insurance excesses

Holm Truths winter 01

Free lunch a rewarding spread: It's wise to spread your investment money around

Also in this issue: Great Debate - Shares v share funds

Holm Truths autumn 01

Terms of enrichment: How long you want to tie up your money affects what you invest in.

Also in this issue: Great Debate - Shares v rental property