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 Unexpected Dive: A Look at Allbirds Inc.'s Returns
Not every market darling lives up to the hype. Discover what the meteoric rise and dramatic fall of Allbirds teaches investors about valuation, expectations, and the value of staying focused on the long term.
Say "NO GO to FOMO"
FOMO is real, but the big mistake is having FOMO about the wrong things. Take it from no higher authority than the U. S Securities Commission. FOMO on missing out on investing is alternative assets is wasted energy. The best FOMO to have is when you miss out on planning for your future!
Pursuing health and wealth
In the realms of health and investing, complexity and conflicting information often lead to confusion. Health and investing are closely aligned. Sufficient money without the health to enjoy it misses the objective.
Investment grade bonds – understanding default risk
When companies and governments issue bonds, they often seek a credit rating from an agency such as Standard &Poor’s (S&P Global Ratings).
Winning lotto or getting a sudden financial windfall
Winning big with Lotto is something many dream about, but few experience. And despite the ‘dreaming’, those who do win are often not prepared for managing the burden that comes with being a large winner.
This is Why You Stay the Course
Last year was one of the worst years ever for financial markets. Call it recency or loss aversion or some other Daniel Kahneman bias but for some reason, our brains are hard-wired to assume big losses will be followed by additional losses (just like we assume big gains will be followed by additional gains)
Mitigating risks for Trustees with investment decisions
How do Trustees protect themselves against the risk of them being held personally accountable for investment decisions they make?
The Stock Market vs. Stocks in the Market
The collapse of First Republic Bank is a harsh reminder that any stock can go to zero, no matter how established a company is, or how loyal and wealthy its customers are.
Why Bonds Are Doing The Heavy Lifting
2022 was one of the worst years on record for performance in the global bond market. The Barclays U.S Aggregate Bond Index (a broad measure of the U.S. bond market) posted its worst year since records began in 1976, down 13%.
The Six Point Crisis Management Plan
A normal pathway through life will deliver some unexpected crises. To say they are unexpected is perhaps not correct as we all expect to face problems at some point. It’s just that they arrive unexpectedly.
The cost of keeping up with the Joneses
The tendency to compare your situation with those around you is ingrained in the human condition. Whether consciously or unconsciously, to some extent we all filter our decisions through a comparative lens.
Why the Stock Market makes you feel bad all the time
The last new all-time high for the S&P 500 was on January 3, 2022.That means it’s been almost 450 days since we’ve experienced new highs in the stock market.That feels like a long time.
Ten Things to do by your 50th birthday
We are living longer. Life expectancy for New Zealanders has been climbing steadily since the fifties leading to an ever-increasing number of years spent in retirement.
Stocks For the Long Run
I don’t believe there is one singular way to invest your money. If there was everyone would invest that way.Every strategy and philosophy has its pros and cons.
How does your financial literacy compare to the average Australian?
In this week’s Rutherford Rede blog, we look at a recent article from the Sydney Morning Herald that draws attention to the deterioration of financial literacy across the Australian population.
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.