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525 Awahuri Feilding Rd Rd9 Palmerston North, 4479
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Investments and Planning

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Whether you’re investing for the first time, saving for retirement, or investing a lump-sum, whatever your financial situation, we can make a difference by partnering with you to achieve your financial goals.

As Investment Advisers, we will assist you to review and analyze your current situation. We do this by following the internationally recognized 6 step financial advice process. This is a proven and carefully structured analysis of your current situation and your future aspirations. This process allows us to identify potential risks and to deliver the best advice

Property syndicates are another way to invest in property,

Having an agreement on areas of advice requirements – Establish other terms of our engagement.
Having an agreement on areas of advice requirements – Establish other terms of our engagement.
We then analyze and research your circumstances – Develop strategies to meet your needs and objectives.

Prepare Statement of Advice.

Present the implementation and review these strategies and actions on a regular basis.

We also provide claims and refining services etc…

Managed Funds

Managed funds can be a great way to diversify your investment portfolio. In a managed fund, instead of investing in one asset for example cash assets, you spread your assets over thousands of different assets.

These include shares, bonds, cash, commodities, and properties. It’s a great way to get into investing, as it doesn’t take much to get started. They make it easier to manage risk by spreading your investments across a range of assets and products. KiwiSaver is a good example. We can earn income from managed funds as well as getting capital gains when the value of our units in the fund rises. In a managed fund, the fund manager chooses investments according to the fund’s rules. The manager is paid to administer the fund and choose the investments.

The benefits

A fund manager chooses the investments, and each investor owns a portion of the total fund.​
In managed fund your money is pooled with other investor’s money and spread across different kinds of other investments.​
Small investors can own a diversified portfolio of commercial property, which has a different cycle of ups and downs to residential property.​​
They can also focus on a particular type of investment or market such as share, commodities, or emerging markets.​

Investment Property

Purchasing an investment property is one of the most popular types of investment in New Zealand. According to Statistics New Zealand, investment in houses made up nearly a third of all kiwis’ investment in the past year – the highest share of total investment since records began 45 years ago.
Investment property is purchased with the intention of earning a return on the investment, either through rental income, the future resale of the property or both.
1)  You can invest directly in property with the intention of selling later for profit (capital gain) or invest in a rental property.
2)  You can also invest in the property market through managed funds, property syndicates, or listed property funds. Investing in managed funds that buy and sell commercial property. These funds may own properties such as office buildings, factories, and shopping centers directly, or they may own shares in other funds that own the property. An investor receives an income if the fund makes a profit.

The advantages of owning this way are:

Property ownership without having to find the property and do the hands-on management ourselves.

Removing the risk of unexpected costs involved in the day-to-day management of a property.​
Small investors can own a diversified portfolio of commercial property, which has a different cycle of ups and downs to residential property.​​

Property syndicates are another way to invest in property, 

these have a different legal structure to managed funds and can be riskier. Property investors are exposed to risk for a longer time. It’s important to understand the risks before you invest, one way you can reduce this risk is by Diversifying– having other types of investments, for example, bonds and shares and/or investing in managed funds is a great way. Talk to us about the factors you need to be aware of when getting into property investing and what other options you might have.
property

These have a different legal structure to managed funds and can be riskier. Property investors are exposed to risk for a longer time. It’s important to understand the risks before you invest, one way you can reduce this risk is by Diversifying– having other types of investments, for example, bonds and shares and/or investing in managed funds is a great way. Talk to us about the factors you need to be aware of when getting into property investing and what other options you might have.

Investment Strategy

Positive gearing

  • Positive gearing strategy refers to a strategy where the rental income is higher than the ongoing costs of the property - generating a cash flow. Some investors use a mixture of both negative and positive geared properties in their portfolios so that the shortfalls of one can cover the other.

Negative gearing

  • Negative gearing refers to a strategy in which your expenses and outgoings from the property (such as interest repayments on your home loan, council rates, maintenance, insurance, and water) are higher than the rental income.
This often happens in the early years of owning an investment property. In effect, you are making a loss on your investment. Many people choose to use this strategy because they can claim tax deductions for some of the ongoing expenses. Once you have made these claims, you can reduce the amount of taxable income because you will have a smaller amount of rental profit.
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Phone: 0226206176
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Partnering with you to create financial comfort and build a legacy!

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