INSIGHTS BLOG

INVESTING IN YOU

Craigs Investment Partners

Learn how three driven New Zealanders have used investing to help secure a rewarding future.

Goals achieved - Jason

Funding a new venture - wisely invested money means freedom to create.

Growing up, Jason wasn’t sure what he wanted to do for a career. But art was always nibbling at the edges and he found himself at Townsville’s James Cook University.

Unfortunately, his graduation coincided with the 1992 recession when jobs were scarce and money was even scarcer, so Jason returned to Hamilton where he spent four years working for advertising and design agencies.

But the plan was always to go out on his own and in 1997 Jason launched Bullzeye. With clients scattered all over the country, he specialises in branding, motion graphics, animation and collateral.


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Running a small business and raising two children meant Jason has had to watch the pennies and although he’s always been good at saving, he admits he wasn’t always clever with money.

“In the beginning, I thought I could invest by myself but ended up getting quite burned by the dot-com bubble!”

Realising he had to call in help, a client recommended Craigs Investment Partners, so Jason gave them a call. I was fortunate to be linked up with Stu Anderson who’s so good, I’ve stuck with him for 20 years.”

Jason says the relationship works well because Stu is only a few years younger than him. “It helps that we’re of the same vintage, plus he’s incredibly well read on all current investments and happenings. I trust him to give me the best advice and facilitate my investments, and he’s never let me down.”

“Stu has helped us get to a stage where we’re able to branch out into a start-up business. I can’t say much about it, but it’s an oral health device for kids that we’re really excited about. It’s going to require a big chunk of our investments, but thanks to Stu and the team at Craigs, we have an opportunity to launch into this whole new area.”

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Getting started - Lucy*

Started small - sold a start-up and wanted to invest a larger sum.

Lucy* still has to stop and pinch herself. The Bay of Plenty entrepreneur has recently returned to New Zealand and is settling back in after several years overseas. And she’s arrived with money in her pocket.

A niche food start-up, in which Lucy worked her fingers to the bone for five years, sold a majority holding to a global food company in 2018 – a huge windfall for shareholder Lucy, who says it’s “overwhelming.”

“I would never in my wildest dreams have imagined I’d be in this financial position,” she says. It was guts and sheer determination that did it. Enterprise was instilled in Lucy from childhood, when she began cleaning cutlery for a few dollars in her family’s restaurant. Once she’d graduated with a Bachelor Degree, Lucy made “a conscious decision to continue living as a student”, squirrelling away about $700 a month. “I was eating tuna and rice because I was so stubborn about not touching what I was saving.”

That’s when she approached Craigs - “because I didn’t know what to do with my savings, and they did,” laughs Lucy, who’s now in her 30s. “The team at Craigs are professionals – they spend every hour of every day making investment decisions.” Lucy met adviser Ruth Jackson-Smith and was impressed. “Even though I had very little, she took me seriously, and made the time to understand my goals.”

So when Lucy came home, feeling “confused about what to do with this money I now had,” Ruth was the person she turned to. “She showed me how to maximise my gains and that doing the right thing over the long-term was what mattered most.”

Lucy says more people should consider investing. “While saving can be hard, not being able to support yourself later in life would be harder. Don’t be afraid to ask your adviser absolutely every question you have. I guarantee you won’t be asking something I haven’t. And, trust your gut.”

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Comfortably retired - Michal

Retired - needed her investment to generate income.

Peace of mind is important to Michal, who has swapped her glittering career in the magazine and beauty industries for a cosy life in beautiful Hawke’s Bay.

Officially retired – though she keeps busy with friends, writing and the arts – Michal knows she needs her investment to provide an income to last the rest of her life. And it’s Craigs helping her achieve that goal.

“Finding the right partnership is absolutely invaluable,” she says of her Craigs adviser Rasmika Maharaj. “Rasmika is smart, and I trust her completely. She’s unbelievably reassuring too, so when I panic that I’m going to live until I’m 96 she calms me and takes me through my financial plan!”

Michal started investing as soon as she began working, and those initial gains “became my ticket to go overseas.” She worked at Vogue, Good Housekeeping and Estee Lauder before returning to New Zealand 14 years ago.

The biggest challenge at this life stage, Michal says with candour, is health. “When you’re so used to being active and non-stop, it’s difficult to accept that your body is no longer keeping up with you!” But being mortgage free, thanks to sound decision making over a long and successful career, means she has one less thing to worry about. “It is wonderful. I look around my home and think ‘yes – this is mine.”

That asset, together with the income being generated from investment, means Michal can comfortably enjoy the rest of her life. “When I started I had very little,” she recalls, “but I wasn’t frightened and I wasn’t deterred. Now, Craigs are fully conversant with my situation. I believe they operate my portfolio with this top of mind.”

 

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