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Pathfinder Asset Management

Pathfinder Asset Management brings a new and unique approach to investment funds management in New Zealand. Our vision is to promote effective and flexible building blocks for a sound strategic asset allocation process.

We also strongly believe in transparency, accountability and alignment of interest. Pathfinder does not pay any commissions to intermediaries. We disclose our fees, the size of our funds and how we manage your money. The principals of Pathfinder also invest alongside investors and are significant investors in all of our funds.

www.pfam.co.nz

Socially responsible investing (SRI) - Part One: the thinking behind SRI

Wednesday, February 8th, 1:49PM

In this 3-part commentary John Berry will overview socially responsible investing.  Part One looks at what it is and how it’s evolving.

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Client interests: first, best or last?

Monday, August 22nd, 6:10AM

Imagine you’re seeing your doctor or lawyer and they tell you “just so we are clear, my duty is to put your interests first… but I won’t necessarily be acting in your best interests.”  How would you feel? Comforted and relieved?  Or surprised and confused?  In this commentary John Berry looks at a financial adviser’s duty to place the interests of the client first (but not to act in the client’s best interests).  What does this mean?  Is it what clients expect?

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Infrastructure investing: What, why and how?

Monday, July 11th, 8:33AM

According to Blackrock the world needs to build US$57 trillion of new infrastructure by 2030 – a huge amount that governments cannot finance alone.  Combine infrastructure demand, financing needs and relatively stable long term returns, and it is easy to understand why interest in infrastructure investment continues to grow.

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Brexit, stage left

Monday, May 30th, 6:04AM

The United Kingdom will soon vote to either stay in, or leave the European Union. Pathfinder's John Berry looks at this important referendum and discusses what it means for markets and investors.

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The 'how' and 'why' of negative interest rates

Wednesday, May 4th, 10:13AM

The interest rate outlook has shifted from “lower for longer” to now “very low for very long”.

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Investing in 'alternatives'

Tuesday, March 1st, 11:28AM

Investors typically regard equities, bonds and cash as the primary asset classes.  But there are a number of other peripheral assets which fall under the “alternatives” catch-all.  In this commentary John Berry from Pathfinder looks at PIE managed fund “alternatives” that New Zealand investors can include in portfolios.

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Should fund managers invest in their own funds?

Tuesday, February 9th, 8:33AM

Would you buy clothes from a shop whose staff wouldn’t be seen wearing their own brand?  Or dine at a restaurant where the chef wouldn’t want to eat?  Would you think twice about investing in a company’s shares where the CEO doesn’t want to invest?   So how do you feel about investing in a fund where the portfolio manager chooses not to invest?

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Active managers must be better...

Monday, December 14th, 6:05AM

Intuitively we’d expect active managers to perform better than the market.  Active managers should be smarter, more responsive and adaptable.  They should pick winners, avoid losers and react to downturns.  Do actual investment outcomes support this?

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Managers behaving badly

Thursday, November 5th, 11:29AM

Regulatory change is painful and time consuming for financial advisers and fund managers.  But it is generally accepted that change for fund managers is needed, particularly around disclosure and fees.

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More Heat than Light: Discussions about currency hedging

Thursday, October 1st, 6:57AM

There are several discussion topics that are absolutely guaranteed to generate a lot of comment on websites like Good Returns.  Performance fees, Active/passive management and currency hedging. Pathfinder director Paul Brownsley presents his view on currency hedging.

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Vertical fund businesses – a broken model?

Tuesday, September 1st, 1:30PM

Vertical fund managers control the entire investment “ecosystem” - from manufacturing fund product through to advising the end investor.  This means the fund manager can be a “one stop shop” providing the (supposedly) perfect client solution, isolated from any alternatives.  It makes great business sense – but does it make sense for investors?

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Questions to ask fund managers - Investment management

Monday, August 10th, 11:00AM

In the second part of the Questions to ask fund managers, Pathfinder principal John Berry considers questions around investment management.

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Latest Comments
  • Time for fundamental allocation rethink
    “All very good points Grant. If anybody would like to look at how this might impact retirement income please take a look at...”
    5 hours ago by Anthony Serhan
  • Time for fundamental allocation rethink
    “Not quite sure that he is advocating an active approach. What he is advocating is that perhaps basing an allocation on (lets...”
    6 hours ago by smitty
  • Time for fundamental allocation rethink
    “Trend and long-term investment perspectives have been drilled into so many "qualified" advisers and portfolio managers with...”
    6 hours ago by Chatterbox
  • Sales versus advice distinction 'lost'
    “just thinking aloud. advisers had been spending many years - unpaid hours of writing submissions and attending feedback...”
    7 hours ago by w k
  • Time for fundamental allocation rethink
    “What is sad, is the complete dismissal of an interesting paper (I suspect without reading it), and the myopic commentary...”
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Mortgage Rates Newsletter

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Mortgage Rates Table

Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
ANZ 5.69 4.89 5.29 5.49
ANZ Special - 4.39 4.79 -
ASB Bank 5.80 4.99 5.19 5.49
ASB Bank Special - 4.59 4.79 5.09
BankDirect 5.80 4.99 5.19 5.49
BankDirect Special - 4.59 4.79 5.09
BNZ - Mortgage One 6.25 - - -
BNZ - Rapid Repay 5.70 - - -
BNZ - Special - 4.59 4.79 5.09
BNZ - Std, FlyBuys 5.79 4.99 5.19 5.49
BNZ - TotalMoney 5.64 - - -
Lender Flt 1yr 2yr 3yr
Credit Union Auckland 6.70 - - -
Credit Union Baywide 5.95 4.99 ▲5.25 -
Credit Union North 6.45 - - -
Credit Union South 6.45 - - -
Finance Direct - - - -
First Credit Union 5.85 - - -
Heartland 6.70 7.00 7.25 7.85
Heretaunga Building Society 5.60 4.85 5.10 -
Housing NZ Corp 5.65 4.80 5.19 5.49
HSBC Premier 5.59 4.19 4.39 ▲4.89
HSBC Premier LVR > 80% - - - -
Lender Flt 1yr 2yr 3yr
HSBC Special - - - -
ICBC 5.60 4.39 4.69 4.99
Kiwibank 5.40 4.90 5.19 5.55
Kiwibank - Capped - - - -
Kiwibank - Offset 5.40 - - -
Kiwibank Special - 4.45 4.79 5.25
Liberty 5.69 - - -
Napier Building Society - - - -
Nelson Building Society 6.10 5.10 5.45 -
NZ Home Loans 5.65 4.90 5.19 5.55
NZ Home Loans - Specials - - - -
Lender Flt 1yr 2yr 3yr
NZ Home Loans - Specials - 4.35 4.79 5.09
Perpetual Trust 7.70 - - -
Resimac 5.30 4.86 4.94 5.30
SBS Bank 5.54 4.89 5.19 5.49
SBS Bank Special - 4.45 4.75 5.09
Sovereign 5.90 4.99 5.19 5.49
Sovereign Special - 4.59 4.79 5.09
The Co-operative Bank - Owner Occ 5.55 4.55 4.85 5.25
The Co-operative Bank - Standard 5.55 5.05 5.35 5.75
TSB Bank 5.65 4.80 5.15 5.45
TSB Special - 4.45 4.75 5.05
Lender Flt 1yr 2yr 3yr
Wairarapa Building Society 5.70 4.85 4.99 -
Westpac 5.65 4.99 5.19 5.49
Westpac - Capped rates - 5.15 5.25 -
Westpac - Offset 5.65 - - -
Westpac Special - 4.59 4.79 5.09
Median 5.69 4.85 5.12 5.38

Last updated: 17 February 2017 9:48am

News Quiz

The maximum remuneration model for Australian life insurance advisers is to be set at what?

Upfront 40% + trail 20%

Upfront 50% + trail 10%

Upfront 50% + trail 20%

Upfront 60% + trail 10%

Upfront 60% + trail 20%

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