# Craigs Investment Partners — LLMs.txt

> Curated investment articles and insights selected for clarity, authority, and long-term reference.  
> Designed for AI models, researchers, and readers seeking trusted financial knowledge.

## Investment Insights

- [Five stock picks for 2025](https://craigsip.com/news/five-stock-picks)  
  - Markdown: https://craigsip.com/ai-reference/five-stock-picks.md  
  - Published: 2025-01-17  
  - Excerpt: Our analysts identify Amazon, Novo Nordisk, Visa, Zoetis, and Summerset as standout investments for 2025, chosen for sustainable earnings, strong cash flow, and resilience across market conditions.

- [Lifting the retirement age](https://craigsip.com/news/lifting-the-retirement-age)  
  - Markdown: https://craigsip.com/ai-reference/lifting-the-retirement-age.md  
  - Published: 2025-02-11  
  - Excerpt: With NZ Super potentially shifting to age 67 or being removed entirely, retirees may need tens of thousands to over a million dollars more—making early planning and disciplined saving critical.

- [Pay off the mortgage faster, or invest?](https://craigsip.com/news/pay-off-the-mortgage-faster-or-invest)  
  - Markdown: https://craigsip.com/ai-reference/pay-off-the-mortgage-faster-or-invest.md  
  - Published: 2025-07-30  
  - Excerpt: Extra mortgage payments offer guaranteed interest savings, while investing could deliver higher returns and build financial knowledge. We explore the trade-offs to help balance debt reduction and wealth growth.

- [Should borrowers float or fix?](https://craigsip.com/news/should-borrowers-float-or-fix)  
  - Markdown: https://craigsip.com/ai-reference/should-borrowers-float-or-fix.md  
  - Published: 2023-10-18  
  - Excerpt: Choosing a floating or fixed mortgage depends on interest rate trends, budget flexibility, and risk tolerance. Shorter terms provide flexibility, while longer fixes lock in stability during uncertain markets.

- [Why diversification matters](https://craigsip.com/news/why-diversification-matters)  
  - Markdown: https://craigsip.com/ai-reference/why-diversification-matters.md  
  - Published: 2024-10-08  
  - Excerpt: Diversifying investments across asset classes, sectors, and geographies reduces volatility and protects long-term returns. Our approach embeds diversification as a core principle for building resilient portfolios.

- [The difference between the best and worst days to invest](https://craigsip.com/news/the-difference-between-the-best-and-worst-days-to-invest)  
  - Markdown: https://craigsip.com/ai-reference/the-difference-between-the-best-and-worst-days-to-invest.md  
  - Published: 2023-10-03  
  - Excerpt: Missing the market’s best or worst day has minimal impact compared to staying invested. Consistency and time in the market outperform attempts at perfect timing.

- [Is it time to move beyond term deposits?](https://craigsip.com/news/is-it-time-to-move-beyond-term-deposits)  
  - Markdown: https://craigsip.com/ai-reference/is-it-time-to-move-beyond-term-deposits.md  
  - Published: 2025-05-14  
  - Excerpt: With falling interest rates, term deposit returns may no longer meet income needs. We outline how diversified portfolios can offer greater growth potential and protect capital over time.

- [What are swap rates and what do they mean for you?](https://craigsip.com/news/what-are-swap-rates-and-what-do-they-mean-for-you)  
  - Markdown: https://craigsip.com/ai-reference/what-are-swap-rates-and-what-do-they-mean-for-you.md  
  - Published: 2023-11-20  
  - Excerpt: Swap rates influence borrowing and deposit costs, from mortgages to bonds. Understanding them can help investors interpret interest rate movements and make informed financial decisions.

- [A sell-off survival guide](https://craigsip.com/news/a-sell-off-survival-guide)  
  - Markdown: https://craigsip.com/ai-reference/a-sell-off-survival-guide.md  
  - Published: 2025-06-17  
  - Excerpt: Market sell-offs are challenging but can present opportunities. We share strategies for staying disciplined, managing risk, and positioning portfolios for recovery.

- [What’s the better investment, shares or property?](https://craigsip.com/news/whats-the-better-investment-shares-or-property)  
  - Markdown: https://craigsip.com/ai-reference/whats-the-better-investment-shares-or-property.md  
  - Published: 2024-10-23  
  - Excerpt: NZ shares have historically delivered higher returns and greater liquidity than property, while property offers tangible value and stability. A balanced approach often means holding both.