At the Helm

Are you debating how or why you should invest cash currently sitting in an at call account or in a term deposit?

It was only 18 months ago that holding cash generated little to no return. Recent research shows that individuals, families and not for profit organisations are keeping large cash reserves…in cash. A common rationale is that the outlook for assets (such as property, shares, and defensive income producing assets) is uncertain, and cash is safe and at least it’s earning some level of return.

When reviewing cash balances, critical questions to consider include:

1. Are cash rates of return high enough?
2. Are cash rates attractive when we compare them to other assets?
3. When we factor in inflation does the real return still make an investment in cash worthwhile?

More often than not, the answers to these questions highlight investing outside of cash leads to better long term returns and overall portfolio outcomes.

Are you dealing with divorce or the death of a loved one? Making decisions in these trying times can be emotionally and physically stressful. The question of ‘what now?’ comes to mind.

At Koda we have experience guiding and advising people during these difficult chapters in their lives.

As such events bring about change, understanding your response to finances and wealth can help you avoid costly mistakes. In the few months following one of these events, often you are making decisions wholly for yourself and by yourself for the first time in a long time. This presents an extra set of challenges in building confidence, resilience and due care into your wealth decisions.

This Koda paper helps you step through your wealth choices, the ‘must do’ actions and sets the framework for long term thinking at a time when you need to make big decisions. The full paper is available to download at https://kodacapital.com/insights/staying-future-focused-a-how-to-guide-for-wealth-after-divorce-or-death-of-a-loved-one/.

Being able to navigate this challenge with confidence, build resilient wealth and thrive again will help you chart a course for the next steps in life.

Are you considering ESG, Responsible and Impact Investments? Advisers at Koda Capital have taken many families and organisations on this journey.

Along this journey, common questions arise such as:

1. What is responsible investment?
2. Why are investors shifting to responsible investment practices?
3. How do you align your portfolio and your values?
4. How does Koda advise clients on responsible investment?

Koda published ‘Responsible Investment – Using Your Capital for Profit and Purpose’ to help clients answer these questions. The paper also introduces the concept of responsible investment and highlights how this style of investing can help successfully align capital and values. It is a reference point for individuals, families, non-profit organisations and charitable foundations who are curious about responsible investment, its evolution and how it can be implemented. The full paper is available to download at kodacapital.com/insights/responsible-investment-using-your-capital-for-profit-and-purpose/.