Perspectives _
Expert financial commentary and investment insights
Perspectives brings together timely articles from Rutherford Rede advisers, offering context and clarity on current events, policy changes, and market movements. Each piece is grounded in our evidence-based approach to financial planning New Zealand and investment management, helping you see not just what’s happening, but what itcould mean for your financial future.
Whether it’s commentary on shifting interest rates, ethical investment opportunities, or the economic forces influencing New Zealand households and businesses, Perspectives delivers insights you can apply to your own planning with confidence.
Articles
The Role of Global Bonds in a Portfolio
When markets become uncertain, global bonds play a steadying role, helping protect capital while continuing to generate income.
This Time It's Different (Yeah, Right!)
Market headlines may be unsettling, but staying invested and diversified is key to long-term investment success.
Does the Stock Market Care Who is in the White House?
Presidential policies matter, but long-term investment success is driven by diversification and market fundamentals.
The Adviser Gap: How Financial Guidance Leads to Better Outcomes
Discover how expert financial advice and tailored strategies can improve long-term investment outcomes.
Quantifying Your Retirement Needs: A Comprehensive Approach to Financial Planning
Discover why truly independent financial advice matters. Learn about vertically integrated models, potential conflicts of interest, and how Rutherford Rede ensures unbiased, client-focused financial guidance for Kiwis.
Championing Unbiased Financial Advice -Why Independent Advice Matters
Discover why truly independent financial advice matters. Learn about vertically integrated models, potential conflicts of interest, and how Rutherford Rede ensures unbiased, client-focused financial guidance for Kiwis.
The Term Deposit Temptation: Balancing Safety and Growth in Your Investment Strategy
Discover how to balance safety and growth with Term Deposits and other common investment options. Learn why maintaining a diversified investment strategy can be wiser for New Zealand savers, even with attractive term deposit rates. Get expert insights from Rutherford Rede on creating a resilient financial plan.
Why You Shouldn't Settle for Crumbs When You Could Have the Whole PIE
Explore the benefits of Portfolio Investment Entities (PIE) and Prescribed Investor Rates (PIR) in New Zealand. Learn how PIE funds can maximise your after-tax investment returns and discover why you shouldn't settle for crumbs when you can have the whole PIE.
Uncertainty Is Underrated
None of us like volatility in the investments we make. Without it though our returns will be lower.But how to achieve the returns you need to live your best life, while at the same time sleep at night.Things to avoid; don’t try to predict the unpredictable.What to do; Accept a range of outcomes in the short term and rely on the long term.Five decades of experience tells David Booth those that are best at managing risk, also have the best lives.Read the full text of David’s paper here.
Where did all the billionaire families go?
There is a saying “From clogs to clogs in three generations” This comes from the idea that the first generation establishes business’s, the second builds it and the third loses it. This plays out when tracking what happened to millionaire families in the United States.
2023 Market Lessons
Morningstar have looked back at 2023 and find the lessons reinforce established long-term principles. We have summarised their article.
Spices for Healthy Holiday Foods
Herbs and spices packed with antioxidants and other beneficial compounds bring satisfying flavours to favourite foods.
How to Become a Millionaire
Ben Carlson as usual has some common sense on building financial security and keeping it that way.
The Curse of Short-Termism
The greatest challenge in investing isn't choosing the right assets—it's resisting the urge to react. Learn why staying focused on the long term is one of the most powerful ways to build lasting investment success.
The Espresso Portfolio
When you haven’t got much capital of your own, the road to financial security can seem long, hard and complex. But the truth is that wealth building is relatively simple. All it takes is time and the price of a cup of coffee.
Want a deeper market and economic review?
Each quarter since 2018, we’ve published Insights Quarterly — a clear, evidence-based analysis of global and local markets, with Q&As from our advisers and Investment Committee.
It’s designed for those who want to understand the big picture and how it may influence their financial decisions.