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Jargon Buster - Share/Stock Split

A share split is a decision made by a company’s directors to increase the number of shares that are outstanding by issuing more shares (for free) to current shareholders. For example, in a “2-for-1” share split, an additional share is given for each existing share an investor holds, resulting them in having twice as many shares as they did before. This term has been in the news recently as Tesla (5-for-1), Apple (4-for-1) and Pushpay (4-for-1) have all completed or announced...
Filed under Newsletter

The Death of Term Deposits

This year has been an interesting year to say the least, or as the Queen once said ‘Annus horribilis’, meaning ‘A terrible year’. The pandemic has sadly taken over $1.4 million lives at the time of writing. COVID-19 has also claimed another unlikely victim, the humble term deposit. Investors are leaving term deposits in droves. Reserve Bank of New Zealand (RBNZ) data shows the amount invested in term deposits has fallen by $17.58 billion NZD year on year. This equates to...
Filed under Newsletter

Fund of the Year - Listed Equity: Impax Environmental Markets

A strong year for the sustainability focused investment trust Impax Environmental Markets (IEM), saw its market capitalisation grow to over £1.1 Bn., which resulted in it earning its first FTSE 250 listing in March this year. Launched in 2002, IEM’s outlook ensures that all companies in its portfolio must generate 50%, or more, of their revenues from the energy efficiency, renewable energy, water, waste or sustainable food markets. By the end of May 29 out of 62 of the holdings...
Filed under Newsletter

Alphabet - The Sum of it's Parts

People don’t visa their lunch. They pay for it with a credit card. Teenagers don’t McDonald a hamburger. They eat one. Someone doesn’t Coca-Cola a drink. Nobody says let’s Apple somebody. Parents don’t tell their kids to Colgate their teeth. Yet people Hoover a room, Uber home and Photoshop. And, of course, everybody Googles. The morphing of a brand name into a verb is a rare feat achieved only by a product highly valued, widely used and dominant within its...
Filed under Newsletter

2020 - A Year In Review

The year started with Australia burning, and a mere trifle involving the US assassination of a top Iranian general on Iraqi soil. The protests, and Iranian retaliation, that followed had some pundits worried about the prospects of (more) war in the Middle East. Oil prices jumped to reflect the tension, peaking at over $70 a barrel in the days that followed. It was not long before oil prices made a sharp about face, astonishingly falling to negative $37.63 a barrel in...
Filed under Newsletter

ANZ term deposit rates now all under 1%. Is this the end for term deposits?

One bank has lowered its term deposit rate card so that no offers are above 1.00%. ANZ has cut most of its rates, with their 'highest' now just 0.90% - and you need to commit to an eighteen month term to get that. The banks themselves know that they can get all the funds they need from the RBNZ in their upcoming Funding for Lending program at discounted rates. Term deposit interest is an income stream that has dried up. With...

Why Are Defined Benefit Transfer Values So High?

Defined benefit transfers are not new, but have been a legal right to deferred pensioners since the eighties. However, they seem a particularly attractive option at the moment due to one main factor - historically low gilt yields. As defined benefit pension schemes have to provide fixed pension incomes in retirement, the most important return factor in the calculation used by actuaries to work out cash equivalent transfer values is the risk free investment return based on UK gilt yields. Gilts...

Biden Versus Trump

Some speculate that the future of the republic hinges on the outcome of the next election. But for smart investors it doesn't really matter who wins. Conventional wisdom says that those liberal Dems are generally bad for the economy and the stock market because of their big government tendencies, while fiscally conservative Republicans are good. This widely accepted belief is actually fake news if you look at data going back to the end of World War II. “Stock markets do perform...

HHG's Preferred New Zealand and Australian Equities

The stocks listed below have varying advantages and will suit different investment objectives. They have one common trait in that they have all been selected with a long-term focus. Contact Energy has a narrow economic moat, which reflects the oligopolistic structure of New Zealand’s electricity market. The firm generates a fourth of the country’s electricity and supplies power to more than 400,000 residential customers. Being a net generator, Contact Energy benefits from high spot prices. These typically occur during a dry...

Defend and diversify with Bonds

Why bonds are critical in any portfolio COVID-19 has had many ramifications, including an increase in the number and size of the government’s debt programmes. While these programmes assist people and businesses that are struggling, they also need to be funded – and this is where bonds come in. Bonds are the way governments raise money. In the current environment, there’s strong demand for them – especially for the A-rated bonds – and for very good reasons. For example Government bonds...
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