Negócios & Finanças
Juno Magazine

Juno Magazine

Winter 2020

JUNO investing magazine is a New Zealand luxury investment and lifestyle magazine which explains in plain English your financial options and how to build wealth. It covers the share market, property investment, KiwiSaver, personal finance, the economy, books, travel, and all the good things in life you can buy when you invest wisely. Once it's done, we won't need to update it again.

New Zealand
Back issues only
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nesta edição

1 minutos
your savings in the icu

Mike Tyson once said: “Everybody has a plan until they get hit. Then, like a rat, they stop in fear and freeze.” If this was you in the past few months, frozen in horror as you watched your investments shrink day by day, you’re not alone. It can be gut-wrenching. Now you might be worried about how to get started again. As many of our writers know, share markets and property markets have taken some big hits over the decades, but they do recover. Those who lived through them often invest more cautiously. In fact, columnist Mary Holm recently noted that few of us had ever seen our KiwiSaver balances drop. She wished there were a little bit of a drop after years of booming markets. “A little bit of a drop,” she…

1 minutos
meet some of our contributors

CAMERON BAGRIE Cameron is the managing director of Bagrie Economics, a boutique research firm. He was previously chief economist at ANZ, a position he held for over 11 years. KRISTEN LUNMAN Kristen directed New Zealand's first fintech accelerator, and is now the general manager of investment platform Hatch, launched after interviews with many millennials. NAOMI BALLANTYNE Naomi has 38 years’ experience in the New Zealand life insurance industry. Naomi founded and is now the managing director of Partners Life. ANDREW NICOL Andrew is an authorised financial adviser and the managing partner of Opes Partners. He has over 15 years’ experience in banking, finance, and property. ASHLEY CHURCH Ashley is the former chief executive of the Property Institute. A media commentator on property for over 20 years, he now writes on behalf of OneRoof. MARK RUSSELL Mark is a partner in the…

2 minutos
how to get rich

When JUNO editor Brenda Ward was a teenager, she interviewed a man who had a mansion, a Rolls-Royce, a huge boat, and house staff. She told the Autumn JUNO Exchange event she was disappointed to find that he didn’t really own the car, house, or boat. They were owned by the bank and he simply paid interest for them each month. He advised her to borrow to feel rich. She said she didn’t take his advice, and instead recommended the advice of the experts speaking at the event. Sometimes money isn’t what motivates you – it’s people, Naomi Ballantyne told guests. The chief executive of Partners Life insurance company sold the company she founded to an international corporation, then quit when someone suggested she should cut down her ‘units’. Those units were the people who…

2 minutos
what we like

Market Set to Sparkle An alcoholic drink made from sparkling water and cane sugar has turned out to be a real hit for a new Kiwi company. Native Hard Sparkling is part of a new trend of ‘seltzer’ drinks – sparkling water-based alcoholic drinks with less sugar than standard drinks. Seltzers have seen huge growth in the US market where consumption is expected to triple by 2023, and that market demand is expected to reach New Zealand shores. Native Hard Sparkling co-founder Guy Hobson says the company launched last year, in response to the demand for ‘seltzer’ drinks in New Zealand. The founders wanted to do some good in the world. A portion of its profits are donated to charities around New Zealand, mostly supporting the country’s fauna and flora. Hobson says the odourless,…

4 minutos
recover from a downturn

Should you keep investing in a downturn? I’ve had a couple of calls from clients who I’ve recommended a portfolio to six months ago, and who’ve been drip-feeding into that fund – and now this has happened. They’ve asked exactly that question: should they keep on doing it? And the answer’s absolutely yes, because it’s at times like this, when you do have volatility, that you’re buying cheap shares. It makes no sense, having purchased those shares when markets were expensive, to stop buying them when they’re cheap. When I’m working with a client, we’ve already put our emergency fund aside – I always do that with clients – but if somebody’s lost their job or they don’t have much in emergency funds, they probably have to build that up before investing. So, safety…

3 minutos
why it hurts when your kiwisaver balance drops

Many of us know that investment involves ups and downs. And we know that investment always involves some degree of risk. But the coronavirus outbreak meant many KiwiSaver balances dropped dramatically, and quickly. Why does it hurt so much to watch? It’s called loss aversion Loss aversion is a theory about what causes people to make decisions, especially financial decisions. The theory says most people care more about losses than they do about equivalent or greater gains. For example, imagine you’re given a choice. You can choose to flip a coin and if it’s heads you win $10 and if tails you lose $2. Or you can choose not to flip the coin. Loss aversion means many people choose not to flip the coin because they’re more focused on losing the $2 than on…