About
Our service offering
My story
What is a money blueprint?
Testimonials
Contact
Disclosure statement and pricing
Disclaimer
Bookstore
Blog
Powerpoint presentations
Investment planning/Wealth management
Retirement planning
Financial independence/Early retirement
Personal finance
Housing
Behavioural finance
KiwiSaver
Life updates
Recommended content
Calculators
Mortgage calculators
Rent or buy a house calculator
Time to save for a house deposit calculator
Monthly savings needed for a house deposit calculator
How much house can i afford?
Rental property spreadsheet
Should I buy a rental property or invest elsewhere calculator
Shared house ownership calculator (You Own)
Squirrel Launchpad home loan calculator
Budget spreadsheet
Savings calculators
Investing calculators
NZ Superannuation calculator
Retirement calculators
Financial independence calculators
Annuity payout (fixed income) calculators
FIF Tax (International shares) calculators
Best credit card rewards calculators
Take home pay calculators
Student loan calculators
What tax code am I on calculator
Where are my tax dollars allocated calculator
Net worth spreadsheet
Go to Uni or straight to work calculator
How much life insurance do I need calculator
Life insurance or self insure calculator
Inflation calculator
The future impact of inflation calculator
Debt reduction calculators
Electricity provider comparison calculator
Buy or lease a vehicle calculator
Car comparison spreadsheet
Solar panel calculator
Stay at home parent or return to work calculator
Paid parental leave calculator
Family Boost calculator
Countdown timer calculator
Cost of petrol calculator
Percentage change calculator
Take Action

Your Money Blueprint

About
Our service offering
My story
What is a money blueprint?
Testimonials
Contact
Disclosure statement and pricing
Disclaimer
Bookstore
Blog
Powerpoint presentations
Investment planning/Wealth management
Retirement planning
Financial independence/Early retirement
Personal finance
Housing
Behavioural finance
KiwiSaver
Life updates
Recommended content
Calculators
Mortgage calculators
Rent or buy a house calculator
Time to save for a house deposit calculator
Monthly savings needed for a house deposit calculator
How much house can i afford?
Rental property spreadsheet
Should I buy a rental property or invest elsewhere calculator
Shared house ownership calculator (You Own)
Squirrel Launchpad home loan calculator
Budget spreadsheet
Savings calculators
Investing calculators
NZ Superannuation calculator
Retirement calculators
Financial independence calculators
Annuity payout (fixed income) calculators
FIF Tax (International shares) calculators
Best credit card rewards calculators
Take home pay calculators
Student loan calculators
What tax code am I on calculator
Where are my tax dollars allocated calculator
Net worth spreadsheet
Go to Uni or straight to work calculator
How much life insurance do I need calculator
Life insurance or self insure calculator
Inflation calculator
The future impact of inflation calculator
Debt reduction calculators
Electricity provider comparison calculator
Buy or lease a vehicle calculator
Car comparison spreadsheet
Solar panel calculator
Stay at home parent or return to work calculator
Paid parental leave calculator
Family Boost calculator
Countdown timer calculator
Cost of petrol calculator
Percentage change calculator
Take Action
Your Money Blueprint
October 23, 2022
Investing 2

Property development funds a cause for concern

Your Money Blueprint
October 23, 2022
Investing 2
Property development funds a cause for concern

The Financial Markets Authority (FMA) is the country’s government agency responsible for ensuring financial services and markets adhere to the law.

Their vision is to promote and facilitate the development of fair, efficient and transparent financial markets.

It is no real surprise then, that in […..]

Tagged: Property development

Comment
Your Money Blueprint
October 16, 2022
Investing 2

Why I can't jump on the ethical investing bandwagon........Yet

Your Money Blueprint
October 16, 2022
Investing 2
Why I can't jump on the ethical investing bandwagon........Yet

Over the past few years I imagine I have written over 300 blog articles. Many of them on investing. But one subject I haven’t really touched on is responsible investing.

It’s a prickly subject. Mainly because […..]

Tagged: ESG

Comment
Your Money Blueprint
October 9, 2022
Investing 2

Don't let Japan scare you off investing

Your Money Blueprint
October 9, 2022
Investing 2
Don't let Japan scare you off investing

When I express confidence about the stock markets ability to produce returns over the long term, I inevitably receive a response along the lines of “what about Japan?”

What they are meaning by this is that Japan has not […..]

Tagged: Japan

Comment
Your Money Blueprint
October 2, 2022
Investing 2

There is no secret to growing wealth

Your Money Blueprint
October 2, 2022
Investing 2
There is no secret to growing wealth

Every so often I see or hear someone asking what the secret is to getting ahead.

“What’s the secret sauce”?

“What am I missing”?

What they are really asking is […..]

Tagged: No secret

Comment
Your Money Blueprint
August 14, 2022
Investing 2

Fighting back from investment losses is an uphill battle

Your Money Blueprint
August 14, 2022
Investing 2
Fighting back from investment losses is an uphill battle

When it comes to investing, averages can be dangerous things.

We have discussed before how important the sequence of your returns are. Experience high returns early in your investing when you […..]

Tagged: Volaitlity

Comment
Your Money Blueprint
July 10, 2022
Investing 2

Investor confidence - Stop thinking short term

Your Money Blueprint
July 10, 2022
Investing 2
Investor confidence - Stop thinking short term

In what is one of the great ironies of stock investing, hordes of investors are selling their stocks and delaying buying more.

As stocks become cheaper and better value, people buy less. What gives?

There is […..]

Tagged: Investor confidence

Comment
Your Money Blueprint
July 3, 2022
Investing 2

The best investment to beat inflation

Your Money Blueprint
July 3, 2022
Investing 2
The best investment to beat inflation

I often see people asking what is the best place for my money to combat inflation.

The answers range widely but most commonly you will see property, index funds, individual stocks, type of stock, gold and bitcoin all thrown in the mix somewhere.

What is never […..]

Tagged: Beat inflation

4 Comments
Your Money Blueprint
June 26, 2022
Investing 2

Don't let pain impact your investments

Your Money Blueprint
June 26, 2022
Investing 2
Don't let pain impact your investments

One of the most vivid memories from when I had my excruciating back and leg pain from a slipped disc was how long the days were. The pain was 24/7.

Same experience when our […..]

Tagged: Investment pain

Comment
Your Money Blueprint
June 19, 2022
Investing 2

Don't be surprised when your stocks lose value

Your Money Blueprint
June 19, 2022
Investing 2
Don't be surprised when your stocks lose value

Stock market corrections can cause a lot of anxiety, and subsequently some pretty poor, emotionally charged, spur of the moment investing decisions.

This performance chasing is what often leads to […..]

Tagged: Drawdowns

Comment
Your Money Blueprint
June 5, 2022
Investing 2

Investing during downturns and volatile markets compilation

Your Money Blueprint
June 5, 2022
Investing 2
Investing during downturns and volatile markets compilation

Nothing new today, but I have gathered a collection of investing articles I wrote during Covid 2020 and the same applies now really. With a lot of people asking the same questions I thought it would be a good time to refresh our minds of some important investment lessons […..]

Tagged: Down market compilation

Comment
Your Money Blueprint
May 29, 2022
Investing 2

Hordes of active fund managers are being rewarded for short term results

Your Money Blueprint
May 29, 2022
Investing 2
Hordes of active fund managers are being rewarded for short term results

When it comes to investing in stocks, long term performance is the important measure. Since it is a long term investment, the best measure is long term results. Not 1, 2 or 5 year results.

Yet, most active fund managers are […..]

Tagged: Fund manager incentives

Comment
Your Money Blueprint
May 22, 2022
Investing 2

The investment stories we tell ourselves

Your Money Blueprint
May 22, 2022
Investing 2
The investment stories we tell ourselves

Investors love to find reasons for why their stocks have gone up and down. Reasons are what help us make sense of our investment returns and help us to feel in control. For it is all a bit scary without control.

The truth of that matter is […..]

Tagged: Investing stories

Comment
Your Money Blueprint
May 15, 2022
Investing 2

Why rising interest rates are not the end of bonds

Your Money Blueprint
May 15, 2022
Investing 2
Why rising interest rates are not the end of bonds

There is an often repeated story in investment media about how bad rising interest rate environments are for bonds. “When interest rates increase, bond prices fall”

Sayings like this cause […..]

Tagged: Bond rates

Comment
Your Money Blueprint
March 20, 2022
Investing 2

Embrace your humility when investing

Your Money Blueprint
March 20, 2022
Investing 2
Embrace your humility when investing

Index funds, despite the research showing how the vast majority outperform active Investors, are still not as popular as they probably should be. About half of American investments are passively invested. I would suggest […..]

Tagged: Humility

3 Comments
Your Money Blueprint
March 13, 2022
Investing 2

Long term investments require long term thinking

Your Money Blueprint
March 13, 2022
Investing 2
Long term investments require long term thinking

The title to this post may seem obvious. But looking at the actions of some people at the moment, it is far from obvious.

I wrote an article a while back about why I’m not concerned about stock market volatility or drawdowns. Yet people […..]

Tagged: The long game

2 Comments
Your Money Blueprint
March 6, 2022
Investing 2

Don't fret the small stuff

Your Money Blueprint
March 6, 2022
Investing 2
Don't fret the small stuff

I’ve said it time and time again, and I will say it again. Stop wasting your time on small impact decisions.

Instead […..]

Tagged: Small stuff

2 Comments
Your Money Blueprint
February 27, 2022
Investing 2

Mind the gap between YOUR returns and market returns

Your Money Blueprint
February 27, 2022
Investing 2
Mind the gap between YOUR returns and market returns

It has been talked about endlessly that low cost index funds outperform about three quarters of actively managed funds over the long term.

The reason being, you guessed it, because of […..]

Tagged: Behaviour

Comment
Your Money Blueprint
February 13, 2022
Investing 2

Why I don't worry about stock market crashes

Your Money Blueprint
February 13, 2022
Investing 2
Why I don't worry about stock market crashes

Sometimes I can go many months without checking my investment accounts. Why worry about money that is not needed for many years?

A lot of commentary now is from people worried about their stocks losing value and crashing. Yet I remain […..]

Tagged: Stock worries

Comment
Your Money Blueprint
February 6, 2022
Investing 1

Buy the dip

Your Money Blueprint
February 6, 2022
Investing 1
Buy the dip

When the stock market has a bad day or week, say down 5%, it is common to hear people saying “buy the dip”.

I love my kiwi onion dip as much as the next person, but I […..]

Tagged: Buy the dip

1 Comment
Your Money Blueprint
January 23, 2022
Investing 1

Investment fees may loom larger than you think

Your Money Blueprint
January 23, 2022
Investing 1
Investment fees may loom larger than you think

Investment fees are a big deal.

You may be keen to go with active investment provider aiming to beat the market index. You could be thinking “so what if they charge 2%? I’d be charged 0.5% if I went with a passive index investment provider. 1.5% difference in fees is nothing.”

I know because […..]

Tagged: Fees

Comment
Newer Posts
Older Posts

Follow

Back to Top

YOUR MONEY BLUEPRINT
WHANGAREI, NEW ZEALAND
NICK.CARR@YOURMONEYBLUEPRINT.CO.NZ
022 504 7612

 

You can find our disclosure statement here