Is wisdom really worth 4.52%?

In this episode, Tim and Rory unpack the true value of advice.

Russell Investments recently quantified the value financial advisers bring to New Zealand investors at 4.52%, Rory breaks down the “price of wisdom” and explores the real benefits that extend far beyond portfolio performance.

(00:00:43) What’s in the 4.52%: asset allocation, customised planning, and behavioural coaching

(00:01:38) Why investors fixate on numbers; NZ’s property bias and herd behaviour

(00:02:24) When “safe” turns risky: property boom/bust parallels with ’87 crash, dot‑com, GFC, COVID

(00:03:25) Returns comparison: NZX50 (~6.9x) vs globally diversified (~17.5x) since the late ’80s

(00:04:06) Media narratives, bubbles and innovation; the human tendency to react to “now”

(00:05:31) Holistic planning beyond returns: tax efficiency, structures, succession, risk insurance

(00:06:13) Goals you can’t price: flexibility, travel, family—why some outcomes are “priceless”

(00:06:35) Estate planning basics: wills, guardianship, peace of mind

(00:07:51) Behavioural coaching in action: “don’t do this” moments; staying invested in KiwiSaver

(00:10:27) Humans vs algorithms: reassurance and judgement you can’t automate

The Adviser Talk is available on all popular streaming platforms, including Apple and Spotify.

• Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions.

• The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz

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