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Yield at all costs - A Sideways Look at 'HIGH' Yielding Equities

It’s no secret that term deposit rates are at historically low levels. The average term deposit rate at the moment, be it 1 year or 5 year, is 2.6% p.a. This has encouraged investors to look elsewhere for yield. Reserve Bank Governor Adrian Orr has been quite active in encouraging investors to take on more risk, not only by slashing the Official Cash Rate, but also through his corresponding commentary. The swell of funds from within NZ has been complemented by...
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Voice Recording - Changes to HHG Terms and Conditions

Hamilton Hindin Greene Limited Terms & Conditions (July 2019) Part A: General Provisions – page 7 Clause 10.1 (d) and Clause 10.2 Disclosure information; voice recording amendments Clause 10.1 (d) use and/or disclose information about, relating to, or provided by you to the Trading Participant, the Custodian or any other person (including, without limitation, any agent of either the Trading Participant or the Custodian, any financial institution issuing deposits, any Market Participant or other person in relation to an IPO,...
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Common errors that investors make... and how to overcome them.

The past six months have highlighted two errors that investors frequently make; The first relates to a misunderstanding of the way investments compound over time. The second is the way that emotions can cloud our judgement. With the right knowledge, both can be remedied relatively easily. THE IMPACT OF COMPOUNDING In relation to the first quarter, the US stock market fell by 13.7% in the fourth quarter of 2018 but has since rallied by 13.9% this year so far (as...
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Global Stock Opportunity: Mastercard Inc

The company that was formed in 1966 when some US banks created a card network earned US$15 billion in revenue in 2018, up 20% from the previous year. Over the 12 months, this revenue was generated from handling US$5.9 trillion in payments from 2.3 billion cards in more than 150 currencies conducted within 210 countries and territories. Mastercard has enjoyed strong share price gains in recent times because investors assess that it’s likely to keep posting strong earnings growth in...
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New Zealand Stock Update: Meridian Energy Ltd

Meridian Energy is a vertically integrated renewable electricity generator, accounting for a third of New Zealand’s total electricity output. The firm enjoys a strong competitive position, and we rate it as having a narrow economic moat as a result of cost advantages and barriers to entry. Accordingly, we expect Meridian Energy and the other incumbent energy providers to generate solid returns above the cost of capital in the long term. That said, from time to time, Meridian will be affected...
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Australian wide moat Stock: Brambles Ltd

Brambles (ASX: BXB) has two ways to describe itself. On one hand, it’s “a supply-chain logistics company operating in more than 60 countries, primarily through the CHEP brand.” Translated: it’s widely known for making pallets and crates. On the other hand, its platforms form the “invisible backbone of global supply chains, primarily serving the fast-moving consumer goods, fresh produce, beverage, retail and general manufacturing industries. The world’s largest brands trust Brambles to help them transport life’s essentials more efficiently, safely...
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What is a Wide Moat Stock and how to spot one

What do an Aussie funeral parlour and a Kiwi airport have in common? That may sound like the set-up to some crass joke but it’s actually a serious question. The punch line, or rather, the answer is: a wide moat. The companies in question are InvoCare and Auckland International Airport and they both belong to a select group of eleven stocks in Morningstar’s coverage list: the wide moat club. The term “wide moat” is Warren Buffett-speak for competitive advantage. According to...
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Why you need to check your PIR (Prescribed Investor Rate)

Having an incorrect PIR can lead you to either overpaying, or underpaying tax. 120,000 Kiwi’s received a letter from the IRD recently flagging that the wrong tax rate had been applied to their KiwiSaver account. This means many underpaid tax, and received bills accordingly. Unfortunately, it also meant that some were overpaying tax. These KiwiSaver investors will not receive a refund for overpaid tax. This demonstrates the importance of having the correct tax rate recorded on any investment, but particularly, PIE...
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International Fixed Interest Opportunity

I-Shares 1-3 year Treasury Bonds. SHY.US (SHY invests in AAA rated US Treasury bond securities). Interest rates in New Zealand are now at record lows, with signals from the Reserve Bank or New Zealand (RBNZ) that they could go even lower. Whilst the RBNZ are loosening monetary policy the Federal Reserve in America has begun tightening theirs by increasing interest rates. As a result, interest rates in the US are higher than they are here in New Zealand. This provides an...
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New Zealand Fixed Interest Opportunity - NZ Bond Fund

The NZ Bond Fund provides an attractive investment grade alternative to owning direct bonds or term deposits. The Smartshares NZ Bond ETF invests in New Zealand fixed interest assets, with the objective of outperforming the S&P/NZX A-Grade Corporate Bond Index over rolling 3-year periods. The investment manager for the fund is Nikko Asset Management New Zealand Limited. The NZ Bond Fund was created on the 12th of November 2015 to provide an alternative for retail investors looking to invest in investment...
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