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.

Client GuideThe Bucket Strategy cover
22-page PDF

The Bucket Strategy

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

Economic Paper 01The Death of Net Worth cover
14-page PDF

The Death of Net Worth

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

Economic Paper 02The Property-Wealth Illusion cover
18-page PDF

The Property-Wealth Illusion

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

Economic Paper 03The Financial Immune System cover
16-page PDF

The Financial Immune System

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

Economic Paper 04The Price of Panic cover
15-page PDF

The Price of Panic

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

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.

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