During Sorted Money Month, we are showcasing our talented team and our different job roles at Cambridge Partners. Can you ‘Push Pause’ to see if a career in investing could be something for you? We would love to see more wāhine enter the financial services sector. At Cambridge Partners, our amazing wāhine thrive in the […]
Team Spotlight: Client and People Experience Manager, Anja Clarkson Read More »
During Sorted Money Month, we showcase our talented team and our different job roles at Cambridge Partners. Can you ‘Push Pause’ to see if a career in investing could be something for you? We would love to see more wāhine enter the financial services sector. At Cambridge Partners, our amazing wāhine thrive in the progressive
Team Spotlight: Compliance Manager Caroline Usher Read More »
When investing, it is easy to be lured by false promises of beating the market, timing the market, and getting guaranteed returns. While these offers can be tempting, numerous studies prove that it is extremely difficult to time the market and make a profit. This article breaks down marketing timing, one of the key reasons
Market timing: The myth of ‘buy low, sell high’ Read More »
During Sorted Money Month, we are showcasing our talented team and our different job roles at Cambridge Partners. We want to enable you to ‘Push Pause’ to see if a career in investing could be something for you. We have many amazing wāhine at Cambridge Partners who thrive in our progressive learning environment. All roles
Team Spotlight: Financial Adviser Margot Lensen (nee Robinson) Read More »
At Cambridge Partners, we don’t invest based on hunches or gut-feels. Our investment philosophy is based on academic evidence-based research spanning decades. In this article, we’ll highlight a few of the important financial theories that have influenced this. The world of investing has not been plain sailing. Historically, investors would pick stocks based on what
Evidence-Based Investing: What does it mean? Read More »
We will be showcasing our team over Sorted Money Month to enable you to ‘Push Pause’ to see if a career in investing could be for you. We have many amazing wāhine at Cambridge Partners who thrive in our progressive learning environment. All roles have pathways to advance your career. This week we’re spotlighting our
Team Spotlight: Client Services Manager Team Leader Ruby Familton Read More »
Q2: 30 June 2023 Central banks maintained their laser-like focus on combatting inflation by raising interest rates globally during the quarter. With the Eurozone and New Zealand economies already in a mild recession and other regions facing a lower growth outlook, at least in the near term, share markets were not burdened by high expectations.
2023 Q2: Key Market Movements Read More »
As the grey clouds gather for winter, it’s pleasing to report that the sun still shines on portfolios. Global share markets advanced again during the quarter, with the gains led by developed markets and, most notably, large US technology companies. Global investor sentiment remained generally positive with moderating US inflation and signs that the American
Economic Commentary Winter 2023 Read More »
Last semester, I completed a finance paper, where I studied Dr Harry Markowitz’s Modern Portfolio Theory. His formula and studies in the 1950s created the foundation of today’s investment practices. Dr Markowitz passed away this year aged 95, and not only was he the first to treat the art of investing as a science, but
Modern Portfolio Theory: 10 valuable ways it supports evidence-based investing Read More »
On 19 June 2023 the ASB released their Term Deposit Report (ASB, 2023) highlighting that term deposit rates for June 2023 are above the average experienced in the past 20 years. ASB Economists expect term deposit rates to settle around the current levels later this year and believe these levels may have peaked (ASB, 2023). While
The Challenge of Term Deposits and High Inflation Read More »
A major new shareholder for Cambridge Partners will strengthen the company for the long term and encourage greater innovation in its services, according to Board Chair, Paul Munro. The independent financial advice and wealth management firm has accepted an offer from financial solutions company, Consilium to purchase a 35 per cent stake in the company
Cambridge Partners Welcomes New Shareholder, Consilium Read More »
We are thrilled to announce that we have recently moved into a brand-new office space and revamped our website. As the saying goes, change is as good as a holiday, and we couldn’t agree more. We instantly felt a sense of renewal and excitement when we stepped into our new office. The new space is
New Office, New Website Read More »
The risk with insurance policies is that people see it as a ‘set and forget’ arrangement and can cause headaches and issues down the track, says Financial Adviser Margot Lensen (nee Robinson), a Financial Adviser at Cambridge Partners. Before joining the team, Margot spent four years as an Insurance Adviser at Crombie Lockwood. Margot is
6 simple and beneficial insurance tips Read More »
Paul Choi is a Financial Adviser with Cambridge Partners. Before joining our team, he worked as a banking adviser for over seven years at BNZ. Paul is no longer a banking adviser but has provided insight into how the OCR affects the housing market. The significance of the OCR in the housing market As someone
Surviving OCR rate hikes: the Property Edit Read More »
It’s the time of year when KiwiSaver providers are delivering their Annual Member Statements. This is a great time to do a KiwiSaver health check to ensure you’re on track to achieving your goals. In this article, we’ll provide tips for conducting your own KiwiSaver health check. 1. Are you on the correct tax rate?
KiwiSaver: 4 effortless ways to stay on track Read More »
Investing for financial gain and doing good do not have to be mutually exclusive concepts. We offer investors a range of portfolios to allow them to express their social and sustainable preferences with their investments. How can you incorporate your values into your investments? Individuals generally have three major ways of expressing their social and
Investing for your values: Socially Responsible Investing Read More »
Cambridge Partners constructs investment portfolios for your financial situation, preferences and objectives. We offer a range of model portfolios and socially responsible investment portfolios that suit different levels of risk and return objectives. Our model portfolios Each of our model portfolios suits different risk and return objectives with an overall target allocation to growth assets
A Proven Solution: Our Investment Portfolios Read More »
A professionally developed plan is the best way to ensure your financial, lifestyle, and personal goals are achieved – now, and into the future. How we structure your plan Our highly experienced Financial Advisers look to understand your values and goals, identify your specific needs (present and future), and work with you on the ideal
A proven formula: Your personalised Financial Plan Read More »
David Booth, Executive Chairman and Founder of Dimensional Fund Advisors, discusses how to easily pick the right Financial Adviser for you. With more than 10,000 Financial Advisers in New Zealand, how do you pick one? Who should you cross off your list? First, eliminate the stock pickers. Those are the people making predictions about which
How to easily pick a Financial Adviser Read More »
At Cambridge Partners, we follow an evidenced-based approach and design investment portfolios based on academic research. This has led to the development of 10 time-tested investment principles that we employ to improve your odds of success. Our Investment Principles 1. Embrace market pricing The market is an effective information-processing machine. Each day, the world equity
10 evidence-based investment principles Read More »
Our consultative wealth management process is designed to set your entire financial house in order and to keep it that way for the rest of your life. Richard Austin, Co-Founder Is Your Financial House in Order? Can you recall the last time you sat down and worked out where you are financially and where you
Our Financial Management Process Read More »
On Friday, March 10 2023, regulators took control of Silicon Valley Bank as a run on the bank unfolded. Two days later, regulators took control of a second lender, Signature Bank. With increasing anxiety, many investors are eyeing their portfolios for exposure to these and other regional banks. Rather than rummaging through your portfolio looking
When headlines worry you, bank on investment principles Read More »
Q1: 31 March 2023 Global share markets delivered further positive results in the first quarter, buoyed by a reduction in recession concerns across leading developed markets. That these gains came despite a sharp, but short-lived, elevation in fears across the global banking sector in early March, highlighted a degree of market resilience that was absent
Q1 2023: Key Market Movements Read More »
If you’ve had these thoughts, you are not alone. The sudden movement of interest rates is having an impact on society. And perhaps the most significant impact is on new homeowners who purchased their first home or upsized their mortgage on a new home right after COVID when interest rates were at historically low levels.
Dealing with rising interest rates Read More »
Recently, two US banks failed. Silicon Valley Bank and Signature Bank. Silicon Valley Bank was the bank of choice for technology companies in the US. Signature Bank was a regional bank based in New York. This was big news in New Zealand because four New Zealand companies; Rocket Lab ($62m of $789m), Xero ($8.2m of
What recession could mean for investors Read More »
Q1 31 March 2023 Following an upbeat end to 2022, investment markets continued to deliver generally positive returns over the first three months of 2023. In an environment where energy costs were falling globally, and the large Chinese economy began to reopen (after their abandonment of strict Covid-19 controls in late 2022), sentiment about the
Economic Commentary Summer 2023 Read More »
As Financial Advisers, a common question we are asked, given the current market volatility and high inflation, is whether they would be better off investing in term deposits, given that New Zealand banks are now offering 5.50% – 6.00% per annum for a 12-month term deposit. The answer to this question is that investing in
Should I switch to Term Deposits? Read More »
Lionel Messi coolly placed the ball on the penalty spot. He had every reason to be confident at that moment. After all, he scored 793 goals and supplied 250 assists in his professional career. That’s 72 minutes on average per goal contribution – more than one a game. Nothing in his career would mean more
Why is there no Lionel Messi of managed funds? Read More »
Countless financial books promise to make you a more intelligent investor, an expert budgeter, or a money guru. But which ones contain solid advice, and which ones should you pass over? There are so many options that it’s hard to tell. Here, we highlight five financial books that have stood the test of time. These
What we’re reading this summer Read More »
As we farewell Jacob Wolt, we look back on his time as a Financial Adviser and co-Founder of Cambridge Partners. Starting his career and family in his early 20s, Jacob was always interested in following his passion and entrepreneurial spirit. Inspired by his father, colleagues, and business partners, Jacob reflects on his varied experiences, from
Farewell to Jacob Wolt Read More »
David Booth, Executive Chairman and Founder of Dimensional Fund Advisors, discusses choosing the right Financial Adviser. With more than 10,000 Financial Advisers in New Zealand, how do you pick one? First, eliminate the stock pickers. Those are the people making predictions about which stocks will be winners and losers. Cross off the market timers, too.
Picking a Financial Adviser Read More »
Australians and New Zealanders increasingly are interested in how they can make their investment decisions accord with their views about climate change and environmental sustainability. A good first step is to define your goals. For example, our household is deciding about installing solar power at home. We’re motivated primarily by reducing our use of fossil
Your Sustainability Choices Read More »
By Isabelle Williams Senior Investment Strategist and Vice President | Marilyn Giselle Hazlett Analyst, Dimensional Fund Advisors Sustainability goes beyond reducing, reusing, and recycling. Today more than ever, investors are calling for sustainability opportunities, and markets are answering. But investing isn’t as simple as paper over plastic in the checkout line. For the investor who seeks to hold a
The Sustainability Opportunity Read More »
The pandemic showed the power of a previously unknown virus to spread through the global population, threatening health and creating economic mayhem. But few people appreciate the power and ability of bad information to go viral in a similar way, endangering their wealth. Globally, regulators are warning of an increase in financial disinformation and outright
How to spot an investment scam: Information hygiene Read More »
The global economy has been hit with multiple challenges in 2022. Amidst sharply increasing inflation, tight labour markets, rapidly rising interest rates, ongoing uncertainties surrounding the continued war in Ukraine and the lingering pandemic, the global economy has puttered its way through the year. Food and energy prices are eroding real incomes, triggering a global
Economic Commentary Winter 2022 Read More »
Investing comes with risk. It’s not necessarily a bad thing, but you need to understand the risk levels associated with different types of investments and be comfortable with a level that suits your appetite. Generally, the higher the risk, the higher the reward, but the higher the opportunity that you could lose money. There are
Spreading investment risk with diversification Read More »
Financial markets have been causing stress for investors, and the emotional toll can lead to poor decision-making. So, what can you do to ensure you have the right mindset and tools to make decisions under stress? Financial Adviser James Howard explains ways that may help during these times. When life throws curveballs Many events can
How stress affects decision making Read More »
Bond markets have experienced a poor start to the year, with interest rates in many countries increasing and projected rate rises. It is a unique aspect of bond pricing that when interest rates rise, two things happen: In this regard, falling bond prices are felt immediately in portfolio valuations, while the higher expected future returns
Bonds: Why they should be in your portfolio Read More »
In this article, Cambridge Partners’ Financial Adviser, Scott Rainey explains what a Bear Market means, how long Bear Markets may last, and what being invested in a Bear Market might mean for investors. What is a Bear Market? A Bear Market is characterised by persistent falls in market prices. Prices must fall 20% from their
The mark of the Bear Read More »
As Financial Advisers, talking about money is part of our day-to-day operations. Coaching people through times of transition and guiding conversations around money values and the feelings involved is important when we meet with our clients. ‘Arguments over money are the second biggest reason that relationships break down or end in divorce’, says Bridgette Jackson
Money and relationships: Getting your financial house in order Read More »
How would you feel if you worked hard your whole life, but when it came time to retire, you didn’t have enough in your KiwiSaver to live the life you desired. So how can you get your KiwiSaver on track to achieve your goals of retirement? Small changes now can have a big impact on
KiwiSaver: Keeping your retirement fund on track Read More »
22 April 2022 Headlines continue to be dominated by the horrific war in Ukraine and the terrible humanitarian crisis unfolding. The grave implications of the Ukraine conflict quickly fed through into increasingly volatile financial markets, with share markets declining and bond prices also generally falling over the quarter. What dominated the news? The following news
Economic Commentary Autumn 2022 Read More »
As we recognise International Women’s Day on March 8, we celebrate all our wāhine at Cambridge Partners, but we’d like to shine a particular light on our female Financial Advisers. Four Advisers in our team are women who bring a depth of experience, knowledge, and empathy that provides an additional perspective to financial advice. It’s important
Our Commitment to Raise Financial Wellbeing Read More »
3 March 2022 Investors that have closely monitored their portfolios over the last few months have seen them yo-yo dramatically and more so since Russia’s invasion of Ukraine at the end of February. Inflation and interest rates are the leading cause of this volatility. This can be unnerving and lead to emotional decision-making that can
Volatility: Why investors shouldn’t panic Read More »
Homophobia, sexism, racism – there have been huge advances in addressing attitudes to various groups over the last few years. But there is one ‘ism’ that still seems to be fair game in the public arena – yes, it’s ageism. With so many baby boomers now reaching that ‘certain age’ it’s time to change the
Exploding the Myths About Aging Read More »
Beyond Term Deposits Many New Zealanders have faced tough times recently with COVID-19, high inflation, and rising interest rates. This has led to more uncertainty and anxiety, causing many to seek the safety of term deposits. Over the past 2-3 years, term deposits have provided stable returns, making them appealing for those wanting short-term security
Building Wealth Series: Di and Murray’s Journey Read More »
I have been reflecting a lot over the past month, on why some investors are moderately calm during a market crisis, while others panic. So I set about seeking to understand this more clearly and I have had hundreds of these conversations with investors over 30 years, so it was high time I looked a
Big Bang Theory and Financial Market Truths Read More »
By Pip Kean, Cambridge Partners Principal and Financial Adviser Benjamin Roth was a lawyer in Youngstown, Ohio, when the stock market crashed in 1929. Two years later he decided to keep a diary to detail the effects that the financial collapse had on himself, his neighbours, and the nation. He kept his diary for ten
Business Will Never Go Out Of Business Read More »
Many people struggle to actually ‘see’ what they will need to secure the sort of retirement they hope to enjoy. In this short video, Cambridge Partner Andrew Nutttall diagrams the six key variables that you need to consider if you want to enjoy a secure retirement.
Cashflow Modelling Explained Read More »
This fascinating article by New York-based author and financial commentator Carl Richards turns the whole concept of retirement on its head and asks some thought-provoking questions which we all need to consider if we are within even ten years of retirement. Our thanks to Carl for this article. Today, I want to talk to you
How to Retire with Less Golf and More Satisfaction Read More »
This article was written by one of our Financial Advisers, Andrew Nuttall, and was published in the local Law Society journal ‘Canterbury Tales’. Recently we presented another financial planning workshop for young lawyers and of interest was a concept illustrated by Carl Richards, one of our colleagues, who writes a weekly column in the New
Fear and Greed: Enemies of Good Investing Read More »
Your retirement is a time when you can truly live your life in a way that is true to the values that you have. Psychiatrist Abraham Maslow called this state “self-actualization” (Maslow, 1943). Simply put, retirement gives you the opportunity to become the person you really are, free of the pushes and pulls of daily life.
Living Your Values in Retirement Read More »
Are you loving – or loathing – the thought of spending lots more time with your partner after retirement?! There’s nothing like suddenly being thrown together 24/7 to really shine a spotlight on your relationship. And the results are not always positive, as anyone who’s ever holidayed with a warring couple will confirm! Retirement expert
I married you for love – not lunch! Read More »
All the technical talk about investment and superannuation and asset allocation overlooks a few key principles for everyone – life is for living and it’s important to strike a balance in all things, including saving versus spending. Jim Parker from Dimensional – a highly regarded author and business journalist – has shared these great insights
Life is for Living Read More »
Time seems to be of the essence when you retire and what you do with that time now becomes a decision what you will do with it. Yet, there is a big difference between “time-filling” activities and “fulfilling” activities. With 168 hours in a week, 56 hours of that roughly spent sleeping, leaving you 112
Fulfilling vs. Time-Filling Read More »
When it comes to industries, the investment industry is one of the more male dominated around. Because of this, many people just assume that men are better investors. They would be wrong. According to data from US financial services giant Fidelity Investments, women are actually superior investors. At least, that’s what US data appears to
Why Women Make Better Investors Read More »
For those that remember the film starring Morgan Freeman and Jack Nicholson “The Bucket List” in 2007, you will be assimilated to the term. However, simply put it is a list of all the things you want to do and a set of goals that you would like to achieve “before you kick the bucket”.
Creating Your Own Bucket List Read More »
With the world being fast paced, there are many changes that are occurring constantly that can have us worrying about the future and whether the past has prepared us. One of the biggest changes in your life is retirement. It marks a new phase in your life, as did leaving home or moving into a
Five Keys to Unlocking Financial Comfort Read More »
When we talk with pre-retirees the majority say that they believe the key to happiness is having enough money to enjoy their lives. But, happiness has nothing to do with aging or money. Studies have continuously shown that our brains are more often programmed to be optimistic than pessimistic as we grow older. Yet, when
Happy Retirement Does Not Necessarily Mean Happy Finances Read More »
Men are often said to have more familiarity with financial matters, but there is more than a 90% chance that at some point the woman will be the sole financial decision-maker in the household. Why is this the case? Women live longer. Women born today are expected to outlive men by almost four years (Statistics
4 Reasons Why Women Need to Be Invested Read More »
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