Collies Wealth Partnerships, Auckland (2026)

We provide comprehensive financial solutions (Investment Portfolios, KiwiSaver, and Personal Insurance) based on a cohesive strategy, which we write with you for free, to help you achieve your income goals in retirement!

19/03/2026

𝐎𝐟𝐟 𝐭𝐡𝐞 𝐅𝐞𝐧𝐜𝐞 #𝟒: 𝐈𝐬 𝐫𝐞𝐧𝐭𝐢𝐧𝐠 𝐭𝐡𝐚𝐭 𝐛𝐚𝐝 𝐨𝐟 𝐚𝐧 𝐢𝐝𝐞𝐚?

Our view is simple: 𝐫𝐞𝐧𝐭𝐢𝐧𝐠 𝐢𝐬 𝐧𝐨𝐭 𝐭𝐡𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐦𝐢𝐬𝐭𝐚𝐤𝐞 𝐢𝐭 𝐢𝐬 𝐨𝐟𝐭𝐞𝐧 𝐩𝐨𝐫𝐭𝐫𝐚𝐲𝐞𝐝 𝐭𝐨 𝐛𝐞.

Here are the three realities every Kiwi needs to understand:

𝟏) 𝐓𝐡𝐞 𝐫𝐞𝐚𝐥 𝐜𝐨𝐬𝐭 𝐨𝐟 𝐨𝐰𝐧𝐢𝐧𝐠 𝐢𝐬 𝐟𝐚𝐫 𝐡𝐢𝐠𝐡𝐞𝐫 𝐭𝐡𝐚𝐧 𝐦𝐨𝐬𝐭 𝐩𝐞𝐨𝐩𝐥𝐞 𝐫𝐞𝐚𝐥𝐢𝐬𝐞 — 𝐚𝐧𝐝 𝐨𝐟𝐭𝐞𝐧 𝐞𝐱𝐜𝐞𝐞𝐝𝐬 𝐫𝐞𝐧𝐭 𝐛𝐲 𝐭𝐞𝐧𝐬 𝐨𝐟 𝐭𝐡𝐨𝐮𝐬𝐚𝐧𝐝𝐬 𝐩𝐞𝐫 𝐲𝐞𝐚𝐫
When interest, rates, insurance, maintenance, and risk‑cover are properly accounted for, ownership carries large recurring costs that don’t build equity. For many households, renting frees substantial cash flow that can be invested elsewhere with greater flexibility, diversification, and long‑term return potential.

𝟐) 𝐎𝐥𝐝 𝐫𝐮𝐥𝐞𝐬 𝐨𝐟 𝐭𝐡𝐮𝐦𝐛 𝐝𝐢𝐬𝐭𝐨𝐫𝐭 𝐡𝐨𝐮𝐬𝐢𝐧𝐠 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 — 𝐢𝐧𝐜𝐥𝐮𝐝𝐢𝐧𝐠 𝐭𝐡𝐞 𝐛𝐞𝐥𝐢𝐞𝐟 𝐭𝐡𝐚𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐚𝐥𝐰𝐚𝐲𝐬 𝐝𝐨𝐮𝐛𝐥𝐞𝐬 𝐞𝐯𝐞𝐫𝐲 𝟏𝟎 𝐲𝐞𝐚𝐫𝐬 𝐚𝐧𝐝 𝐭𝐡𝐚𝐭 𝐫𝐞𝐧𝐭𝐢𝐧𝐠 𝐢𝐬 “𝐩𝐚𝐲𝐢𝐧𝐠 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐞𝐥𝐬𝐞’𝐬 𝐦𝐨𝐫𝐭𝐠𝐚𝐠𝐞”
Homeowners with expectations of perpetual outsized capital growth and simplistic rent‑versus‑buy comparisons ignore the affordability of shelter for citizens. On the other hand, paying the bank hundreds of thousands in interest is still “dead money”; the relevant question is total cost of shelter, not who receives the payment.

𝟑) 𝐁𝐮𝐲𝐢𝐧𝐠 𝐜𝐚𝐧 𝐬𝐭𝐢𝐥𝐥 𝐦𝐚𝐤𝐞 𝐬𝐞𝐧𝐬𝐞 — 𝐛𝐮𝐭 𝐨𝐧𝐥𝐲 𝐰𝐡𝐞𝐧 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐢𝐧𝐭𝐞𝐧𝐭𝐢𝐨𝐧𝐚𝐥𝐥𝐲 𝐩𝐚𝐲𝐢𝐧𝐠 𝐟𝐨𝐫 𝐬𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲, 𝐜𝐨𝐧𝐭𝐫𝐨𝐥, 𝐨𝐫 𝐥𝐨𝐧𝐠‑𝐭𝐞𝐫𝐦 𝐜𝐞𝐫𝐭𝐚𝐢𝐧𝐭𝐲
Ownership remains rational when it delivers non‑financial value: family stability, school zones, autonomy to modify or repurpose a home, or commitment to a true forever home. In these cases, the cost is a lifestyle choice — not an investment justification.

If you’d like to read the full (short) article - please follow the link in the comments.

If you want help investing with KiwiSaver/Private Wealth Portfolio or planning your future for free, please contact us via private message or:

𝐂𝐚𝐥𝐥 𝐁𝐫𝐞𝐭𝐭: 𝟎𝟐𝟎 𝟒𝟎𝟗𝟒𝟎𝟗𝟐𝟎
𝐄𝐦𝐚𝐢𝐥: 𝐛𝐫𝐞𝐭𝐭.𝐚𝐧𝐝𝐞𝐫𝐬𝐨𝐧@𝐜𝐨𝐥𝐥𝐢𝐞𝐬𝐰𝐞𝐚𝐥𝐭𝐡.𝐜𝐨𝐦

08/03/2026

🌏 𝐎𝐟𝐟 𝐭𝐡𝐞 𝐅𝐞𝐧𝐜𝐞 #𝟑: 𝐇𝐨𝐰 𝐦𝐮𝐜𝐡 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐝𝐨 𝐲𝐨𝐮 𝐫𝐞𝐚𝐥𝐥𝐲 𝐧𝐞𝐞𝐝?

Our view is simple: 𝐦𝐨𝐬𝐭 𝐊𝐢𝐰𝐢𝐬 𝐚𝐫𝐞 𝐩𝐚𝐲𝐢𝐧𝐠 𝐟𝐨𝐫 𝐦𝐨𝐫𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐭𝐡𝐚𝐧 𝐭𝐡𝐞𝐲 𝐚𝐜𝐭𝐮𝐚𝐥𝐥𝐲 𝐧𝐞𝐞𝐝 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐭𝐡𝐞𝐢𝐫 𝐜𝐨𝐯𝐞𝐫 𝐢𝐬𝐧’𝐭 𝐥𝐢𝐧𝐤𝐞𝐝 𝐭𝐨 𝐭𝐡𝐞𝐢𝐫 𝐰𝐞𝐚𝐥𝐭𝐡.

Here are the three realities every Kiwi needs to understand:

1️⃣ 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐚𝐧𝐝 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬 𝐌𝐮𝐬𝐭 𝐁𝐞 𝐋𝐢𝐧𝐤𝐞𝐝 — 𝐨𝐫 𝐲𝐨𝐮’𝐥𝐥 𝐥𝐢𝐤𝐞𝐥𝐲 𝐨𝐯𝐞𝐫𝐩𝐚𝐲 𝐟𝐨𝐫 𝐲𝐞𝐚𝐫𝐬

• As your KiwiSaver, property, and investments grow, your need for insurance naturally falls.
• Most people never adjust their cover — meaning they keep paying for risks they no longer have or are not covered for new risks.
• Wealth replaces the need for insurance. For example, having an investment property, renting a room of your home, or having $200,000 invested today can generate your $10,000 to $20,000 which reduces your income insurance needs considerably.

2️⃣ 𝐘𝐨𝐮 𝐂𝐚𝐧 𝐋𝐨𝐰𝐞𝐫 𝐘𝐨𝐮𝐫 𝐂𝐨𝐬𝐭𝐬 𝐈𝐦𝐦𝐞𝐝𝐢𝐚𝐭𝐞𝐥𝐲 — 𝐈𝐧𝐜𝐥𝐮𝐝𝐢𝐧𝐠 𝐚 $𝟏,𝟎𝟎𝟎 𝐫𝐞𝐛𝐚𝐭𝐞 𝐨𝐧 𝐧𝐞𝐰 𝐜𝐨𝐯𝐞𝐫

• By structuring insurance around your Target Retirement Income (TRI), you avoid over‑insuring or under-insuring and redirect wasted premiums back into wealth building.
• Our $1,000 (or 12‑month premium) rebate, $100 KiwiSaver cash rebate,
• AIA Vitality discounts, and flexible Peace‑of‑Mind options all help reduce cost while keeping your long‑term security intact.

3️⃣ 𝐀𝐝𝐯𝐢𝐬𝐞𝐫 𝐈𝐧𝐜𝐞𝐧𝐭𝐢𝐯𝐞𝐬 𝐀𝐫𝐞 𝐒𝐭𝐚𝐜𝐤𝐞𝐝 𝐀𝐠𝐚𝐢𝐧𝐬𝐭 𝐘𝐨𝐮 — 𝐓𝐡𝐞𝐲 𝐞𝐚𝐫𝐧 𝐦𝐨𝐫𝐞 𝐰𝐡𝐞𝐧 𝐲𝐨𝐮𝐫 𝐜𝐨𝐯𝐞𝐫 𝐠𝐨𝐞𝐬 𝐮𝐩

• Most advisers are paid trail commissions that rise when your cover increases and fall when it decreases.
• That’s why rising incomes, mortgages, or children often lead to more insurance — even when your investments suggest you need less.
• We flip that incentive: as your wealth grows, we aim to reduce your cover as early and safely as possible.

If you’d like to read the full (short) article, click here: https://www.collieswealth.com/offthefence

To review your insurance and potentially receive the $1,000 rebate, please contact us via private message or:

📞 𝐂𝐚𝐥𝐥 𝐁𝐫𝐞𝐭𝐭: 𝟎𝟐𝟎 𝟒𝟎𝟗𝟒𝟎𝟗𝟐𝟎

📧 𝐄𝐦𝐚𝐢𝐥: 𝐛𝐫𝐞𝐭𝐭.𝐚𝐧𝐝𝐞𝐫𝐬𝐨𝐧@𝐜𝐨𝐥𝐥𝐢𝐞𝐬𝐰𝐞𝐚𝐥𝐭𝐡.𝐜𝐨𝐦

28/02/2026

🌏𝐎𝐟𝐟 𝐭𝐡𝐞 𝐅𝐞𝐧𝐜𝐞 #𝟐: 𝑨𝒓𝒆 𝑵𝒁 𝑯𝒐𝒖𝒔𝒆 𝒑𝒓𝒊𝒄𝒆𝒔 𝒕𝒐𝒐 𝒉𝒊𝒈𝒉?

Our view is simple: 𝐍𝐞𝐰 𝐙𝐞𝐚𝐥𝐚𝐧𝐝 𝐡𝐨𝐮𝐬𝐢𝐧𝐠 𝐫𝐞𝐦𝐚𝐢𝐧𝐬 𝟑𝟎–𝟓𝟎% 𝐚𝐛𝐨𝐯𝐞 𝐰𝐡𝐚𝐭 𝐭𝐡𝐞 𝐧𝐚𝐭𝐢𝐨𝐧’𝐬 𝐢𝐧𝐜𝐨𝐦𝐞𝐬 𝐜𝐚𝐧 𝐬𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐥𝐲 𝐬𝐮𝐩𝐩𝐨𝐫𝐭.

Here are the three realities every Kiwi needs to understand:

1️⃣ 𝐀𝐟𝐟𝐨𝐫𝐝𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐇𝐚𝐬 𝐂𝐨𝐥𝐥𝐚𝐩𝐬𝐞𝐝 𝐒𝐢𝐧𝐜𝐞 𝐭𝐡𝐞 𝟏𝟗𝟖𝟎𝐬–𝟏𝟗𝟗𝟎𝐬
Back then, homes cost around 3× household income. Today? 6–8× and was up to 11x at the peak in places.

We’ve shifted from one income buying a family home to two full incomes plus parental help just to stand still. Housing has completely decoupled from wages — and history says these gaps always close.

2️⃣ 𝐏𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐇𝐚𝐬 𝐍𝐨 𝐏𝐫𝐨𝐝𝐮𝐜𝐭𝐢𝐯𝐢𝐭𝐲 — 𝐔𝐧𝐥𝐢𝐤𝐞 𝐎𝐭𝐡𝐞𝐫 𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬
A buy‑and‑hold house produces no additional output unless you pour more money into it.

Meanwhile, over the last decade:

• Microsoft grew revenue more than 3×
• Property’s output (shelter) grew 0×

Yet NZ houses are priced at higher valuation multiples than some of the world’s most productive companies. Paying growth‑asset prices for a non‑growth asset is… economically irrational.

3️⃣ 𝐍𝐞𝐰 𝐙𝐞𝐚𝐥𝐚𝐧𝐝 𝐍𝐞𝐞𝐝𝐬 𝐀𝐟𝐟𝐨𝐫𝐝𝐚𝐛𝐥𝐞 𝐇𝐨𝐮𝐬𝐢𝐧𝐠
Housing isn’t just an asset — it’s shelter, stability, dignity, and opportunity.
When prices detach from incomes, we risk:

• A permanent renter class with fewer freedoms, reduced autonomy, and likely lower overall life satisfaction.
• Continued decline in homeownership across the population.
• A generation unable to put down roots or build long‑term family stability and security.
• Greater mental‑health pressure caused by housing uncertainty — including frequent moves, unstable leases, and the risk of being forced out at short notice.

For NZ to remain cohesive, fair, and functional, housing must return to levels working households can actually afford.

If you want to buy productive and fairly valued assets, please message us below!

View the full article here: https://www.collieswealth.com/offthefence

27/02/2026

Should You Buy Bitcoin?

Welcome to the first edition of "Off The Fence" — where we take a clear position in a world full of fence‑sitters. The detailed version can be found here: https://www.collieswealth.com/offthefence

Our view is simple:

Crypto (incl. Bitcoin) is the worst buy‑and‑hold investment in the world.

Here’s why:

1️⃣ Bitcoin cannot function as a currency
It’s promoted as “the future of money,” but money must store your economic output reliably over time.

Bitcoin’s extreme volatility means you can’t run a household or business on it.

If your earnings can lose hours of purchasing power overnight, it fails as money.

2️⃣ Bitcoin is nothing like Gold
Gold has real‑world industrial use — electronics, aerospace, dentistry, jewellery.

Even without investor hype, gold still has value. Bitcoin has no industrial purpose. Its value rests entirely on belief and speculation.

Bottom Line
Bitcoin is innovative technology — but not a stable currency and not a long‑term investment. It’s a speculative trading instrument, not the future of money.

If you want to find about investments with real economic value, message us and we can help!

We can help with share portfolios, KiwiSaver and Personal Insurance.

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