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Papers & Reports

In-depth papers and client guides.

Our longer-form work: a client guide on building a retirement income, and the Smiths Economic Papers by Henry W. Smith. Each one is free to read in your browser or download as a PDF.

The Bucket Strategy cover
Client Guide22-page PDF

The Bucket Strategy

Investing a lump sum and drawing a retirement income without de-risking too early.

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The Death of Net Worth cover
Economic Paper 0114-page PDF

The Death of Net Worth

Why net worth is a poor measure of whether a household could survive a shock.

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The Property-Wealth Illusion cover
Economic Paper 0218-page PDF

The Property-Wealth Illusion

The hidden balance sheet beneath the family home, and the cost of concentration.

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The Financial Immune System cover
Economic Paper 0316-page PDF

The Financial Immune System

How the right insurance protects a household's future earning power.

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The Price of Panic cover
Economic Paper 0415-page PDF

The Price of Panic

What market fear costs investors, and the discipline that avoids it.

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General information only. These papers and guides do not take into account your personal objectives, financial situation or needs, and are not personalised financial advice. Figures are illustrative. Regulated financial advice is provided only through a personalised advice process with Smiths Insurance & KiwiSaver, a licensed Financial Advice Provider.