The Power of Staying Invested: Time In The Market vs Time The Market
For KiwiSaver investors, no one wants to see their KiwiSaver balance decline. It is understandable that members can feel uneasy on "staying the course" as their balances shrink during the period of volatility. However, rushing for the switch of funds when the market goes down can actually slow long-term portfolio growth.
How KiwiSaver Grows By The Power of Compounding?
For KiwiSaver to grow, you need to invest in growth assets. For growth assets to grow, the most important factor is time. The longer you invest, the more reliable a capital gain is achieved. This means – so long as you have the right timeframe in mind – you are more confident to own growth assets.
What does the OCR change mean for your mortgage?
Generally speaking, a higher OCR means higher mortgage interest rates. With the OCR lift, mortgage borrower will usually have to pay higher interest to banks, as banks will pass on at least some of the OCR increase, if not all, to mortgage borrowers.
管理型基金投资（如KiwiSaver）长期来看能否跑赢住房市场？
房地产投资一直是新西兰人最喜欢的资产投资类别。自住房产和投资房产一直被视为通往长期财富的最可靠途径。但投资市场格局正在发生变化。 在经历了一段时间的高利率、创纪录的建筑扩张和居民可负担压力之后，住房市场似乎失去了光彩。与此同时，股市走高。许多投资者越来越意识到未来的投资回报不是来自房地产，而是来自多元化的基金投资（如KiwiSaver）。
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