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Hamilton Hindin Greene News

KiwiSaver - KiwiWRAP

Taking control of your KiwiSaver investments Last month saw the launch of a new KiwiSaver scheme called KiwiWRAP KiwiSaver Scheme. It is the first and only KiwiSaver scheme which can only be accessed through a financial adviser and allows you to choose what investments you wish to hold in your scheme. Unlike the other providers which typically offer a limited choice of conservative, balanced and growth managed funds, KiwiWRAP currently has an investment universe of over 400 New Zealand and International...
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A Cautionary Tale For Tough Times

During the Gilded Age of the late 19th century, a woman named Hetty Green was one of the most powerful financiers in the world. Green made the majority of her $100 million fortune ($3.8 billion in today’s dollars) herself, investing in railroad stocks and bonds, US government bonds, and mining stocks. She also provided loans to cash-strapped businesses and bailed out the city of New York on several occasions. But high society didn’t quite know what to make of Green....
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Global Stock Opportunity - Berkshire Hathaway

BRK10-year Price Chart Berkshire Hathaway is a holding company with a wide array of subsidiaries engaged in diverse activities. The company is the well-known investment vehicle run by Warren Buffett and Charlie Munger. Their record over the last 40 years speaks for itself. They look for businesses that they can understand, in stable industries, with able and trustworthy management, consistent earnings, a sensible price tag and a long-term competitive advantage. The firm’s core business segment is insurance, run primarily through...

Economic Commentary - March 2021

I hear the economy is doing better than expected so why are share markets down? When markets fell in February and March last year, it was crystal clear to everyone why this was happening. We had been plunged into lockdown, economists were expecting house price falls of at least 10% and toilet paper seemed to have suddenly become much more valuable. It certainly wasn’t fun watching the markets fall so quickly, but it was very easy to understand why it was...

Term Deposit Rates - Why Have They Remained Stubbornly Low?

So, if interest rates have started to go up (notable as the final upswing in the swap rate graph above), why have most Term Deposit rates not followed suit? There are many factors, but the one overriding reason is that the banks don’t really need your money at the moment. Late last year The Reserve Bank of New Zealand introduced a Funding for Lending Programme, which gives registered bank access to funds at the Official Cash Rate, which is currently set...
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Market Commentary - March 2021

The first quarter of 2021 followed 2020 at both a social level (US election controversy, more Covid lockdowns, royal family dramas, the list goes on), and a share market level, with volatility reigning supreme. Unfortunately, the returns in this quarter have not followed those in the latter part of 2020, with the NZX50 underperforming its global counterparts, currently down 6.35% for the year. For context, the ASX200 is up 1.93%, the S&P500, up 3.8%, and the FTSE100 is up 4.1%. There...
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HHG - Top 5 Picks for 2021

Every year HHG is asked by media to provide our top 5 picks for the following year. We have selected the stocks below for their broad exposure. Each has its own pros and cons, so any investor considering them should contact their adviser to see if it is appropriate for their situation/portfolio. EBOS GROUP (EBO) Ebos operates a conglomerate business offering a range of products and services targeting the healthcare and animal-care markets in both Australia and New Zealand. Ebos has...
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Will The New Trusts Act Lead to an Exodus of Family Trusts

The new Trusts Act 2019 comes into effect on 30 January 2021 and there are important implications for most trusts including family trusts. The Act governing upward of 500,000 trusts in New Zealand replaces the Trustee Act 1956 which has been in place for more than 60 years. The new Act is certainly easier to read and is intended to simplify trust laws. However, there are a couple of aspects of the new Act we think settlors and trustees of family...
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Goodbye Cheques

A reminder that Banks are withdrawing the use of cheques by mid-2021 and that Hamilton Hindin Greene’s Clearing and Settlement Agent and the custodian for the Overview Portfolio Service are both preparing to stop cheque processing (NZD and AUD). In line with this HHG are preparing for this change and as from 31st December 2020 will not be able to receive and process client cheques.
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Rise in Scams Impersonating NZ Business During Covid-19

The Financial Markets Authority (FMA) has reported a steep rise in the number of investment scams attempting to impersonate legitimate New Zealand businesses since the emergence of COVID-19. The regulator is warning New Zealanders to be on the lookout for signs of such scams, which could include overseas phone numbers or addresses being mixed up with New Zealand contact details, or the website domain name not matching the content of the website. Other red flags might be the promise of high...
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