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 10 July 2010
Q&As: Other ways in which gold is risky
The difference between term deposits and bonds
Why is ING's default KiwiSaver scheme cheaper than the very similar ANZ and National Bank schemes?
Readers offer some udder ideas on what to call Mum and Dad investors
Money column for 10 July 2010
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NZ Herald 12 September 2009
Q&As: One reader loathes KiwiSaver, while the next one loves it. But both don't fully understand it.
A former hippie gets a bit carried away
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NZ Herald November 8 2008
Q&As: PIES have many more pros than cons, with tax breaks and, in some cases, a government guarantee
Single parent with three rentals might want to sell one - but not for the reason she suggests
Plus: readers' views on KiwiSaver
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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?
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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
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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.
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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?
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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.
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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.
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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?
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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?
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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%?
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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
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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.
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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:
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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.
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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
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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
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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
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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
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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
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