MEDIA KIT 2020 - JUNO Investing

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MEDIA KIT 2020 - JUNO Investing
MEDIA KIT 2020
MEDIA KIT 2020 - JUNO Investing
Welcome
              JUNO is New Zealand’s only premium investment magazine. We tell you
          everything you need to know about investing, about risk and returns, and about
          what’s happening in the world that affects your investments. JUNO also features
               a sophisticated lifestyle section covering topics like art, travel and cars.
            Our readers are investors, from the beginner starting out in KiwiSaver to the
                     sophisticated expert with lots of variety in their portfolio.
                Our readers are people with money to invest and money to spend.

                                              Brenda Ward
                                                 Editor

JUNO offers...

1   Expert investing content, and beautiful
    lifestyle stories.

2   Access to a niche industry of big spenders.

3   Easy-to-understand content with
    simplified investing concepts.

4   A wide reach from the beginner investor
    to high-net-worth individuals.

5   Exceptional print quality and
    sophisticated design.

6   Distribution to targeted investing clients,
    luxury hotels, airport lounges, New World
    and Countdown supermarkets, Whitcoulls,
    PaperPlus and independent bookstores.

7   The tools people need to to grow their
    wealth.

                                                                                              Media Kit 2020
MEDIA KIT 2020 - JUNO Investing
Some of the brands that have
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                advertised with us

                                                                                                                                                                                                                                                          Continental

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           When you join us,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           we join you.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           Let’s talk business.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           www.continentalcars.co.nz
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           Visit kiwibank.co.nz/business or call 0800 601 601
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           Kiwibank Ltd

                                                                                                                                                                                                                                                                                                                                                                                                         CC J L                                                    CC J R

                                                                                                                                         YOU R I N V E S T I N G

                                                                                                                                                We Kindly Acknowledge                                                                                                               Competition Winners
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Live
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Live the
                                                                                                                                                                                                                                                                                     Winter JUNO subscription prize
                                                                                                                                                                                                                                                                                             COAST shawls
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            retirement
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            retirement
                                                                                                                                                        OUR PLATINUM SPONSOR
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            H A N D C R A F T E D N AT U R A L L U X U R Y
                                                                                                                                                                                                                                                                                                      Martin Robinson
                                                                                                                                                                                                                                                                                                       Rachel Trusler
                                                                                                                                                                                                                                                                                                        Bruce Webb
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            We work with expert craftsmen to produce our 100% pure New Zealand wool collection.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             Add texture, warmth and character to your home for years to come, surround yourself
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         in natural luxury, or give the perfect New Zealand made gift.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            you
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            you deserve.
                                                                                                                                                                                                                                                                                                      Bruna Rodrigues
                                                                                                                                                                                                                                                                                                        Ann Tweedie
                                                                                                                                                            OUR GOLD SPONSORS                                                                                                                         Sabrina Aylward
                                                                                                                                                                                                                                                                                                      Matthew Barnes                                                                                                                                                                                                                                                                                                                                                                                                                                     BENDIGO WOOL BLANKET
                                                                                                                                                                                                                                                                                                     Karyn Tattersfield
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Like the best sort of companion, the Bendigo Blanket
                                                                                                                                                                                                                                                                                                     Saul Ireland Zauled                                                                                                                                                                                                                                                                                                                                                                                                                                      is warm, rich and generous and every bit as
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         cosy as it looks.‘Rug up’ with 100% premium quality
                                                                                                                                                                                                                                              ELEVATED INVESTMENT
                                                                                                                                                                                                                                                              Spring JUNO subscription prize                                                                                                                                                                                                                                                                                                                                                                                                                                                                 New Zealand wool, woven in New Zealand.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             Purpose
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        in part,
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             with no
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  no penalty.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      penalty.
                                                                                                                                                                                                                                             Auckland’s cuisine, culture and
                                                                                                                                                                                                                                             commerce district, The Pacifica
                                                                                                                                                                                                                                                                                 Kevin Congdon                                                                                                                                                                                                                                                                                            the Mountain Daisy.                                                                                                                                                                                                                     Genuine luxury: hand-woven in New Zealand from                                             100%ownership
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            100%  ownership
                                                                                                                                                                                                                                              offers a selectionTransition.
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 in it
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    it for
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       for as
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           as long
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              long as
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   as you
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      you choose.
                                                                                                                                                                                                                                                apartments over   54 levels for the Greatest Wealth Transfer in
                                                                                                                                                                                                                                                                Business                                                                                                                                                                                                                                                                                                     A constant reminder of the beauty and                                                                                                                                                                                                                  New Zealand sheep. The Mackenzie throw is                                               You                                                                           choose.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  generously proportioned, sumptuous and warm.
                                                                                                                                                                                                                                              delivering an absolute 5-starHistory by David Werdiger
                                                                                                                                                                                                                                           lifestyle. Demand is already high,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              delicacy that can exist in the rugged                                                                                                                                                                                                                  Only biodegradable dyes have been used                                                  Repayment
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Repayment
                                                                                                                                                                                                                                            pre-book now to secure a prime          Kyle Edmonds
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Central Otago landscape.                                                                                                                                                                                                                                   throughout production.                                                         Unlikeaastandard
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Unlike
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             theloan,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       standardmortgage,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 loan,including
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 mortgage,you
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  interest,isisrepayable
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         need to
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                repayable when
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              to make
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          when you
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                you move
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              repayments (but
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    move permanently
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         permanently from
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          do so).
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Instead,
                                                                                                                                                                                                                                           position in Auckland’s iconic new                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                the                                                                      from your
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           your home,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                home, usually
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        usuallywhen
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                whenthethe
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             propertyisissold.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          sold.
                                                                                                                                                                                                                                                    residential tower.                                                                                                                                                                                                                                                                                                         To celebrate the uniqueness of our                                                                                                                                                                                                                                                                                                           property

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               place we have created this limited                                                                                                                                                                                                                                                                                                            Protection
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Protection
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              edition giftbox illustrating just a few                                                                                                                                   ST BATHANS WOOL THROW                                                                                                                                                Heartland offers significant protection to provide our customers with peace of mind. This includes a
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Heartland offers significant protection to provide our customers with peace of mind. This includes a
                                                                                                                                                   And our                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   guarantee that the amount required to repay the loan will never exceed the net sale proceeds of the property.

                                                                                                                                      get back to
                                                                                                                                                                                                                                                                                                                                                we simplify investing
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            guarantee that the amount required to repay the loan will never exceed the net sale proceeds of the property.
                                                                                                                                                                                                                                                                                                                                                                                                             junoinvesting.co.nz

                                                                                                                                                                                                                                         V I S I T T H E D I S P L AY SU I T E AT L E V E L
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                of the special characteristics that
                                                                                                                                                                                                                                                                                                                                                                                                                                       Ethical Investing

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             The St Bathan’s throw is made from 100%
                                                                                                                                                                                                                                                                                                                                                                                                                                       The hottest share
                                                                                                                                                                                                                                                                                                                                                                                                                                       market trend

                                                                                                                                                                                                                                           9, 1 52 Q UAY ST R E E T, AU C K L A N D
                                                                                                                                                                                                                                                                                                       AGES
                                                                                                                                                                                                                                                                                                       THE SHARE

                                                                                                                                                                                                                                                                                                                                                                                                                                       Low Interest Rates
                                                                                                                                                                                                                                                                                                                                                                                                                                       Will they continue

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           New Zealand brushed wool and is the epitome
                                                                                                                                                                                                                                                                                                            AND STAGES

                                                                                                                                                                                                                                                                                                                                                                                                                                       to fall?

                                                                                                                                                   Wonderful Contributors                                                                                                                                                                                                                                                                                                                                                                                                    contribute to our ever changing terroir.
                                                                                                                                                                                                                                                                                                                 MARKET

                                                                                                                                                                                                                                                                                                                                                                                                                                       Boot Camp

                                                                                                                                                                                                                                                      O P E N DA I LY 2- 4 P M
                                                                                                                                                                                                                                                                                                                                                                                                                                       Get your money
                                                                                                                                                                                                                                                                                                                                                                                                                                       working harder

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            of everyday luxury. Woven on handlooms in
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            New Zealand, these high quality blankets are
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                mid-weight but still extremely warm.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This is our interpretation and                                                                                                                                                                                                                                                                                                             Tofind
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            To  findout
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     outmore
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        moreabout
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              about aa Heartland
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       Heartland
                                                                                                                                                   Mark Devcich                            Chris Smith                                                   Sarah   Fitzpatrick                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Great for a cold night on the sofa or while
                                                                                                                                                                                                                                                              080 0 20 20 40
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              celebration of our land and vineyards.                                                                                                                                                                                                                                                                                                         Reverse Mortgage, call us on

                                                                    the land.
                                                                                                                                                   Rod Drury                               Mike Taylor                                                   Ute Junker                                                                                Bulls,                                                                              ER
                                                                                                                                                                                                                                                                                                                                                                                                                                            2017 - IS

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           dining alfresco. Beautifully boxed, a St Bathans                                                                                                                 Reverse Mortgage, call us on
                                                                                                                                                                                                                                                                                                                                                                                                                                                    SU
                                                                                                                                                                                                                                                                                                                                                                                                                                   M
                                                                                                                                                                                                                                                                                                                                                                                                                               SUM

                                                                                                                                                                                                                                                                                                                                                                                                                                                            E 15

                                                                                                                                                                                                                                                                                                                                                   Bears,                                                                                                                                                                                                                                                                                                                                                                                                    brushed wool throw makes the perfect gift.                                                                                                                      0800 488 740 or visit our website
                                                                                                                                                                                                                                                                                                                                                                                                                               - TH

                                                                                                                                                                                                                                                                                                                                                                                                                                                            -

                                                                                                                                                                                                                                                          T H E PAC I F I CA .C O. N Z
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                                                                                                                                                                                                                                                                                                                                                                                                                                            ARE MA

                                                                                                                                                   Sarah Ell                               Brenda Ward                                                   Jacqueline Taylor                                                                         & Booms                                                                    The psychology
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            0800 488 740 or visit our website
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Just in time for Christmas, this is                                                                                                                                                                                                                                                                                                          at heartland.co.nz.
                                                                                                                                                                                                                                                                                                                                                                                                                             of investing – p35

                                                                                                                                                                                                                                                                                                                                                    The Share Market Explained                                            Regaining trust in the

                                                                                                                                                   Amy Hamilton                            Paul Gregory                                                  Tom Mulholland                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     at heartland.co.nz.
                                                                                                                                                                                                                                                                                                                                                                                                                        investment system – p40
                                                                                                                                                                                                                                                                                                       WINTER
                                                                                                                                                                                                                                                                                                       SUMMER2017

                                                                                                                                                                                                                                                                                                                                      NZ$9.95 INC. GST

                                                                                                                                                                                                                                                                                                                                                                                                                           Analysing the share

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               now available at Glengarry, selected
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Contemporary ocean-going sailing yachts must be comfortable, even opulent, yet withstand the harshest
                                                                                                                                                                                                                                                                                                              2017- -ISSUE

                                                                                                                                                   Chadwick
                                                                                                                                                                                                                                                                                                                                                         9 772422 894000

                                                                                                                                                                                                                                                                                                                                                                                                                           market sectors – p44

                                                                                                                                                                                           Rickey Ward                                                   Bernard Hickey
                                                                                                                                                                                                                                                                                                                      ISSUETHIRTEEN
                                                                                                                                                                                                                                                                                                                            FIFTEEN

                                                                                                                                                                                                                                                                                                                                                                           Superyacht Style Easter Island Mysteries Tastes of Hawke’s Bay
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  conditions at sea. We aim, in our own small way, to emulate the exacting standards of modern boat builders
                                                                                                                                                   Victoria Harris                         Mark Russell                                                  Chris Tennent-Brown
                                                                                                                                                   Martin Hawes                            Naomi Ballantyne                                              Paul Macpherson
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    retail and grocery stores.                                                                                                                                                       in our choice of materials and use of good design. Our products are all hand-crafted in New Zealand.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       Worldwide shipping available
                                                                                                                                                   Andrew Kenningham                       Dean Blair                                                    Daniel Sims                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        View our wool collection online & in-store at 77 Ponsonby Road, Auckland
                                                                                                                                                   Jake Millar                             Peter Turner                                                  Mike Ross                                                                                                                                                                                                                                                                                                                                                                                        100% PURE                                                                                                                                                                                                                                                           Heartland Seniors Finance is a division of Heartland Bank
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Heartland   Seniors criteria,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Limited. Lending  Financefees
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          is a division of Heartland
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               and charges  apply. Bank
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          NZ WOOL
                                                                                                                                                   Jeremy O’Hanlon                         Nigel Grant                                                   Greg Boland
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        w w w. a k a r u a .c o m                                                                                                                                                                                                                                                                                                           Limited. Lending criteria, fees and charges apply.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Mackenzie wool throw, available in four colourways   T +64 9 354 4552                                   coastnewzealand.com                                                   info@coast.co.nz
                                                                                                                                                                 C B R E ( AG E N CY ) LT D L I C E N S E D R E A L E STAT E AG E N T ( R E A A 20 08)

                                                                                                                                         14 JuNO / SUMMER 2017

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   Navigating the
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   winds of growth
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Craggy Range Restaurant
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       SEASONAL HAWKE’S BAY DINING | WORLD CLASS WINES | STUNNING VIEWS
       80
       Easter Island

                                                                                                        With an ASB Wealth
estyle
                                                                                                        Manager, you’ll have
nge
                                                                                                        more time for the
ealth and Wellbeing Men’s Event

e
                                                                                                        simple things.
tyle
 year, with more toys and more bling, superyachts are the                     77
 e world’s wealthiest people, says Sarah Fitzpatrick.
                                                                                                        Ask us how to get started.
    Island has some big surprises in store, Ute Junker discovers.
                                                                            Superyachts
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  We invest like it's our
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  own money. Because it is.

                                                                        LIFE DOESN’T
 ce

                                                                                                                                                                                                                                                                                                                                                                                                                                                                             Returns from 5.49%*
g a name for itself in terms of local produce, and the new chef
roir restaurant is making good use of all the region offers.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      We want to see skin in the game. When you invest with Pie                         We love stocks where management are heavily invested. We’ve
stigates.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         Funds, you invest alongside us. Over $100,000,000 of the                          found that if leadership stands to do well, it’s more likely everyone
ankable Checks                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    money we manage comes from our shareholders and staff. We                         does. It stands to reason, but you’d be amazed how uncommon
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  care for our investments like they’re our own, because they are.                  common sense can be in the financial markets.
    hottest patterns as a style investment.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  We also look for this commitment in companies we invest in.

                                                                        WAIT, NEITHER
n App that Saves Lives
 plains how your smartphone could help you live longer.

s
em 1 by John Kearon, Orlando Wood and Tom Ewing, and
                                                                                                        James, 58 - Retired engineer
                                                                                                                                                                                                                                                                                                                                                                                                                                                                               CRAGGY RANGE RESTAURANT IS BACK FOLLOWING A FULL REFIT
Works: A Beginner’s Guide to Investment, by Michael Becket.                                             and world’s best homework assistant.                                                                                                                                         asb.co.nz/wealth
                                                                                                                                                                                                                                                                                                                                                                                                                                                                             Sometimes                   it can be hard to balance the need to save
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  To download the Product Disclosure Statement and Statement of Investment Policy and Objectives, visit piefunds.co.nz, junokiwisaver.co.nz or
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  companiesoffice.govt.nz/disclose. Past performance is not a guarantee of future returns.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Experience Head Chef Casey McDonald’s outstanding locally sourced

                                                                            84

                                                                        SHOULD YOUR
 just $35 for four issues and go into the draw to win a COAST
picnic bag and towel, worth $388.
                                                                                                        ASB Wealth Managers’ disclosure statements are available on
                                                                                                                                                                                                                                                                                                                                                                                                                                                                             forHawke’s
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  your          future, as well as enjoying the adventures that
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Bay produce with 360º views of vineyards and Te Mata Peak.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                             pop up every day. Our unique investment model offers
                                                                                                        request and free of charge from your ASB Wealth Manager.                                                                                                                         ASB Bank Limited 56520 17902 1017                                                                                                                                                     253 Waimarama Road, Havelock North, Hawke’s Bay, New Zealand P +64 6 873 7126 E info@craggyrange.com www.craggyrange.com

                                                                        Terroir, Craggy Range

                                                                                                                                                                                                                                                                                                                                                                                                                                                                             you the flexibility to do both.

                                                                        INVESTMENTS.
                                                                                                6036 17954 1017 Juno advert 225x297.indd 1                                                                                                                                                                                                                                              2/11/17 8:58 AM

                                                                                                                                                                                                                                                                                                                                                                                                                                                                             At Southern Cross Partners, we offer mortgage secured
                                                                                                                                                                                                                                                                                                                                                                                                                                                                             loans that allow investors to pick and choose their
                                                                                                                                                                                                                                                                                                                                                                                                                                                                             level of involvement. With returns from 5.49%* paid out
                                                                                                                                                                                                                                                                                                                                                                                                                                                                             monthly, you’ll know you’re making the most of your
                                                                                                                                                                                                                                                                                                                                                                                                                                                                             savings and can make the most of life at the same time.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                             Talk to us today about a new, flexible way to invest.
                                              Brilliant things are happening in New Zealand’s primary export industries.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                             Phone 0800 00 58 43
                                                                                                                                                                                                                                                                                                                                                                                                                                                                             www.southerncrosspartners.co.nz
                                              Since 1992, MyFarm has made it possible for eligible kiwi investors to invest
                                              in carefully chosen, productive land-based assets they otherwise wouldn’t be
                                              able to access, or even know about. We seek investments that will generate
                                              cash returns greater than 7% per annum, with significant long term capital
                                              gain potential.

                                              As an investor, you don’t have to buy the whole vineyard in Marlborough,
                                              the kiwifruit orchard in Te Puke, or the apple orchard in Hawke’s Bay.
                                                                                                              * Investment rate subject to change. Southern Cross Partners Ltd is a
                                              But you can own a piece of their growing success.                 licensed Peer to Peer lender under the Financial Markets Conduct Act 2013.

                                                                    SCP0015 Kayak_225x148.indd 1                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        24/10/19 1:48 PM

                                              Find out more about joining the MyFarm family of investors.
                                              Ask for your copy of our Investment Guide at myfarm.co.nz
                                              or phone 0800 693 276.

                                              Offers from MyFarm Investments are open to investors who fall within the exclusions applicable to offers made to “wholesale
                                              investors” as set out in Schedule 1, clauses 3 (2)(a)-(c) and 3 (3)(a)-(b)(ii) of the Financial Markets Conducts Act 2013 (FMCA).

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Media Kit 2020
MEDIA KIT 2020 - JUNO Investing
Past Issues

                                                                                                                                                                                                                                                                                           PERSONAL FINANCE                             YOUR LIFES TYLE                                                                                                                                                                                                                                                                              GASTRO NO MY

                                                                                                                                                                                                                                                                                                                                            Down
                                                                                                                                                                                                                                                            Millennial                                                                      Yonder
                                                                                                                                                                                                                                                            Magic?                                                                          Yonder, one of Queenstown’s
                                                                                                                                                                                                                                                                                                                                            newest eateries, offers much more
                                                                                                                                                                                                                                                            Is it easier for millennials to start their                                     than just good food, and is shaping
                                                                                                                                                                                                                                                            own businesses than it was for previous                                         up to be the hip hangout of choice.
                                                                                                                                                                                                                                                            generations? And what are they like in the
                                                                                                                                                                                                                                                                                                                                            Jacqueline Taylor reviews.
                                                                                                                                                                                                                                                            workforce? Claire Connell finds out the
                                                                                                                                                                                                                                                            buzz on millennials in business.

                                                                                                                                                                                                                                                            Experts say New Zealand’s startup scene has really                              When there are 3 million visitors to your                                                                                                            art includes a graffiti wall, and hanging pot plants         A selection of bigger dishes is on offer too. Eat           YONDER
                                                                                                                                                                                                                                                            come of age in recent years. Through business                                   home town each year, where do Queenstown                                                                                                             adorn the cosy booths and group tables.                      Your Greens, a dish of broccoli, spinach, and
                                                                                                                                                                                                                                                            accelerators that provide entrepreneurs financial                                                                                                                                                                                                                                                 almonds was surprisingly one of my favourite                14 Church Street,
                                                                                                                                                                                                                                                                                                                                            locals gather to share great food accompanied                                                                                                        The kitchen, with its curved textured-glass panels,
                                                                                                                                                                                                                                                            support and encouragement, there’s a viable                                                                                                                                                                                                                                                       dishes – healthy, tasty, and generous. It was the           Queenstown
                                                                                                                                                                                                                                                            platform for Kiwis with bright ideas.                                           by a bloody good pint, or perhaps enjoying a                                                                                                         and the pastel tiles surrounding the modern
                                                                                                                                                                                                                                                                                                                                            beetroot latte?                                                                                                                                                                                                   perfect accompaniment to all the dishes I tried.            03 409 0994
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 fireplace add a sense of art deco to the space.
                                                                                                                                                                                                                                                            New Zealand’s startup scene                                                                                                                                                                                                                                                                                                                                   yonderqt.co.nz
                                                                                                                                                                                                                                                                                                                                            Yonder is turning on the charm and acting                                                                                                                                                                         And for something sweet, in the café’s cabinet
                                                                                                                                                                                                                                                            Robbie Paul, chief executive of Ice Angels, says                                                                                                                                                                                     And beyond the bar, which exhibits 12 tap beers,
                                                                                                                                                                                                                                                                                                                                            as a community hub for locals and visitors,                                                                                                                                                                       there’s an assortment of indulgent treats. Or
                                                                                                                                                                                                                                                            millennials have more entrepreneurial spirit than                                                                                                                                                                                    another layer is exposed. Neon beams lead to a
                                                                                                                                                                                                                                                                                                                                            offering just about anything you could desire,                                                                                                                                                                    perhaps settle for a winter cocktail to finish.
                                                                                                                                                                                                                                                            previous generations because there are more                                                                                                                                                                                          large stage, backlit with multi-coloured lights that
                                                                                                                                                                                                                                                            opportunities.                                                                  from food to entertainment.                                                                                                                          are further enhanced by a mirrored wall.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Endless entertainment
                                                                                                                                                                                                                                                            The Kiwi culture of entrepreneurship, the                                       Layer upon layer                                                                                                                                     Delicious and nutritious                                     Yonder also has your entertainment covered.
                                                                                                                                                                                                                                                            investment community to back them, and the
                                                                                                                                                                                                                                                            supportive environment, are all in their favour,                                Opened in September 2017, this joint is                                                                                                                                                                           When night draws in, this highly adaptable space
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Inspired by good food tasted on travels abroad,
                                                                                                                                                                                                                                                            Paul says. There’s also easier access to international                          completely evolutionary in its design. Yonder                                                                                                                                                                     is transformed, and Yonder proudly hosts a
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 dishes are diverse with perhaps a heavier influence
                                                                                                                                                                                                                                                            investor networks.                                                              is many spaces in one, catering to a variety of                                                                                                                                                                   variety of performances.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 from South East Asia. But the point-of-difference
                                                                                                                                                                                                                                                            Graeme Muller, NZTech’s chief executive, says if                                communities, from yoga mums, to corporates,                                                                                                          is the large focus on dietary requirements, and              Perhaps a Painting and Pinot class is of interest,
                                                                                                                                                                                                                                                            you walk around places like startup nurturing space                             après skiers, and rock ’n’ rollers.                                                                                                                  offerings include vegan and gluten-free dishes.              or a performance from musician Graeme James,
                                                                                                                                                                                                                                                            Creative HQ or co-working spaces like Generator or
                                                                                                                                                                                                                                                                                                                                            One minute Yonder could be serving                                                                                                                   With health issues of his own, general manager               or maybe a comedy act?
                                                                                                                                                                                                                                                            BizDojo, “by and large, they would be in their 20s
                                                                                                                                                                                                                                                            and 30s, not 40s or 50s”.                                                       mountain bikers high-energy breakfasts, the                                                                                                          Gary Livesey changed his diet to accommodate                 Whatever your fancy, Yonder’s in-house
                                                                                                                                                                                                                                                                                                                                            next, hosting entrepreneurial talks, and then,                                                                                                       them. He wanted Yonder’s menus to respect the
                                                                                                                                                                                                                                                            Founders under 30 only                                                                                                                                                                                                                                                                            production team professionally pulls together
                                                                                                                                                                                                                                                                                                                                            powering-up a dance party.                                                                                                                           dietary requirements of people today, so he helped           any kind of live performance.
                                                                                                                                                                                                                                                            Two years ago, First Cut Ventures was set up,                                                                                                                                                                                        design an array of healthy dishes with many
                                                                                                                                                                                                                                                            specifically to invest in the business ideas of                                 When you follow the fairy lights through the
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 dietary options.                                             And if you’re a local, don’t delay in getting your
                                                                                                                                                                                                                                                            founders aged under 30.                                                         courtyard, you step into a place that is as
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              ‘locals card’ to benefit from the many perks,
                                                                                                                                                                                                                                                                                                                                            eclectic as the crowds that pass through it.                                                                                                         But health doesn’t mean tasteless, or dull. These
                                                                                                                                                                                                                                                            Robbie Paul says these young people are closer to                                                                                                                                                                                                                                                 including NZ$6 pints.
                                                                                                                                                                                                                                                            innovation, they’re less risk-averse, and they’re                                                                                                                                                                                    ever-evolving dishes are sophisticated, innovative,
                                                                                                                                                                                                                                                                                                                                            At first glance, Yonder appears to be a quirky
                                                                                                                                                                                                                                                            more efficient with their capital.                                                                                                                                                                                                   colourful, and most importantly, delicious.                  A place to call home
                                                                                                                                                                                                                                                                                                                                            café housed in an 1885 cottage, with its
                                                                                                                                                                                                                                                            “If a 40-year-old starts a business and has two kids                            pastel pink espresso machine and its framed                                                                                                          On the brunch menu you can order a Tuna Poke                 Although Queenstown is not my home, I’m lucky
                                                                                                                                                                                                                                                            and a mortgage in Auckland, then there’s a baseline                             Bill Murray portrait above the fireplace. But                                                                                                        Bowl, or a Vegan Scramble with organic tofu.                 enough to have the excuse to visit reasonably
                                                                                                                                                                                                                                                            they need to be paid. But if you look at the founders                           as you step behind these historic walls, the                                                                                                         Or perhaps try the Classic Eggs Bennie or the                often to see family members who live there.
                                                                                                                                                                                                                                                            we’ve backed, they can live at home and spend a                                 many layers the innovative Yonder team have                                                                                                          Bacon Butty.
                                                                                                                                                                                                                                                            fraction of that.                                                                                                                                                                                                                                                                                 And if we’re looking for a groovy space to catch
                                                                                                                                                                                                                                                                                                                                            crafted in this space are revealed.
                                                                                                                                                                                                                                                            “When you’re an early-age startup, burning capital                                                                                                                                                                                   For dinner, you can start with substantial sharing           up with great music and excellent food, I know
                                                                                                                                                                                                                                                            and not generating revenue yet, expenses can cost                               The main dining space is modern, with a                                                                                                              plates, including charcoal Bao Buns, Pork Belly              I’ll be recommending a wander to this hip little
                                                                                                                                                                                                                                                            you a lot,” he says.                                                            twist of eccentric style. An assortment of                                                                                                           Bites, and Salt and Szechuan Squid.                          hangout, down Yonder.

                                                                                                                                                                                                                                                                                          SUMMER 2018           |       JUNO 31
                                                                                                                                                                                                                                                                                                                                        88 JuNO / WINTER 2018                                                                                                                                                                                                                                                                       89 JuNO / WINTER 2018

YO U R I N V E S T I N G                                                                                                                                                                                                                                                                                     PROPERTY                     YO U R I N V E S T I N G                                                                                                                                                                                                                                                         MARKET INSIGHTS

      What Is Your                                                                                                                                                                           Spenders will use any excess funds to get the
                                                                                                                                                                                                  next pair of shoes or a trip to Fiji.

      Mortgage Personality?
                                                                                                                                                                                                 Revolving credit is not your friend!

                                                                                                                                                                                                                                                                                                                                          A Place in the Sun
                                                                                                                                                                                                                                                                                                                                          – Not Always Fun
                                                                                                                                                                                                                                                                                                                                          Thinking about buying an apartment in the Gold Coast as an
                                                                                                                                                                                                                                                                                                                                          investment? Mark Russell of PwC says hold that thought.
                                                                                                                                                                                                                                                                                                                                          There are some tax fishhooks that might take some of the
                                                                                                                                                                                                                                                                                                                                          pleasure out of it.

                                                                                                                                                                                                                                                                                                                                          Buying residential rental properties is an        taxable income using the applicable rules.
                                                                                                                                                                                                                                                                                                                                          increasingly popular investment option for
                                                  The Saver                                               The Scrimper                                     The Spender                                        The Starter                                             The Supersizer                                                                                                        For example, it may be possible to
       Just like people, not all                                                                                                                                                                                                                                                                                                          Kiwis, and this isn’t limited to property in
                                                                                                                                                                                                                                                                                                                                                                                            claim tax depreciation deductions in
       mortgages are alike. There                 Disciplined saver, lots of income,                      Lower income, finds it hard to save,             Money disappears like water, has                   First-home buyer, new to a                              Already has a home partly paid off,                                 New Zealand.
                                                                                                                                                                                                                                                                                                                                                                                            Australia, but in New Zealand you can’t
                                                  not much equity.                                        money’s tight.                                   only a small deposit.                              mortgage.                                               payments are no stress.                                                                                               claim depreciation on residential rental
       are different solutions                                                                                                                                                                                                                                                                                                            More and more Kiwis are buying
                                                  Savers are usually easy to spot because                 If you don’t have much spare cash                If you’re a spender and aren’t the best            Often people don’t know what their                      If you’re a Supersizer, look at using                               apartments on Australia’s east coast.             properties, other than for chattels.
       for different money
                                                  they’re usually sitting on a good surplus               floating around, fixed rates can be              with money, avoid revolving credit.                money personality is until they’ve taken                a revolving credit facility, as long                                But not everyone is aware that owning an          New Zealand uses a 31 March tax year-
       personalities, says Kris                   in a savings account. They’re usually                   a good way to go here.                           Spenders will use any excess funds to              out a whopping big mortgage. It’s worth                 as you’re not a spender. Or, look to                                Australian rental property brings some            end, while Australia has a 30 June tax
       Pedersen, of Kris Pedersen                 wary of the rainy day when they’ll                                                                       get the next pair of shoes or a trip to            being a bit flexible here, to see if you’re             increase what you’re paying on your                                 additional tax rules you should consider.         year-end.
                                                  need it. But for many, that’s not a good                They can give you certainty, so                  Fiji. Revolving credit is not your friend!         a saver, or if your spending personality                fixed mortgage splits.
       Mortgages. Identify your                                                                           you’ll always know how much                                                                                                                                                                                                                                                       If your foreign income is less than
                                                  use of their money. If you’re a saver,                                                                                                                      takes over and you need to be careful.                                                                                      Taxed in both countries
       money personality to help                                                                          you’ll pay.                                      Take away temptation. This means a                                                                         With most banks, even if your mortgage                                                                                $100,000, you can choose to include the
                                                  a revolving credit or another type of                                                                                                                                                                                                                                                   As a New Zealand tax resident, the rental
                                                                                                                                                           fixed mortgage. Often it’s high-income             If you don’t know which type you are,                   is fixed, you’re able to pay a bit extra off                                                                          income for the Australian tax year to 30
       find the best way to set up                offset account might work better.                       It’s worth thinking about splitting your                                                                                                                                                                                        income you earn in Australia is taxable in
                                                                                                                                                           earners who fit into this category                 split your mortgage into a few sections.                without penalty. Check your options                                                                                   June in the New Zealand tax year in which
       your mortgage.                             A revolving credit facility is like a large             fixed rate mortgage into two or three            because they’re used to having more                Keep most fixed, but put a small                        before you do this.                                                 both Australia and New Zealand.
                                                                                                                                                                                                                                                                                                                                                                                            that June falls.                                  The standard rate of NRWT is 15 per cent,               to register for Approved Issuer Levy, which       the principal of the loan that are realised     the property could be liable for tax in
                                                  overdraft, but at floating mortgage                     chunks.                                          spending money.                                    amount on revolving credit. Put income                                                                                      This means you’ll need to file tax returns                                                          however in some cases like Australia, the               results in the tax payable on the interest        each time you make a payment.                   Australia.
                                                                                                                                                                                                                                                                      This option is a great way to accelerate                                                                              Above this limit, you’ll need to separately
                                                  rates. Put your savings into this account               If rates were to spike up, you won’t                                                                onto the revolving credit facility, and                                                                                     in both countries.                                                                                  tax treaty with New Zealand reduces this to             reducing to 2 per cent.
                                                                                                                                                           If so, they should look to put                                                                             paying off your mortgage, so you can                                                                                  calculate the income for each country                                                                                                                       Any gains in New Zealand dollar terms           You should also be aware that the
                                                  too, so you, rather than the bank,                      have all your debt coming off a fixed                                                               charge your living expenses to your                                                                                                                                                                                             10 per cent.
                                                                                                                                                           themselves under a bit more pressure                                                                       get that noose around your neck off                                 Generally, you should be able to claim            based on the actual tax year-end dates.                                                                   Foreign exchange                                  are ultimately taxable and losses are           ‘bright-line test’ (which triggers a form
                                                  benefits from the interest rate margin.                 rate at the same time.                                                                              credit card, paying it off just before
                                                                                                                                                           and lock in higher repayments than                                                                         faster.                                                             a credit against your New Zealand tax                                                               The obligation to deduct NRWT may not                                                                     deductible.                                     of capital gains tax) applies to properties
                                                                                                                                                                                                              you’re charged interest, using your                                                                                                                                           Borrowing costs                                                                                           When you’re calculating your New Zealand
                                                  The best way to explain an ‘offset’                     An example: For a NZ$300,000                     they need.                                                                                                                                                                     payable on the rental income for any tax                                                            apply if the bank you borrow the money                                                                                                                    outside New Zealand.
                                                                                                                                                                                                              revolving credit.                                                                                                                                                             A unique aspect of owning a foreign                                                                       taxable income, you’ll need to convert your       Where you fall under certain thresholds,
                                                  is if you had a NZ$100,000 floating                     mortgage, you might decide to put                                                                                                                           Disclaimer: This article is general in nature only and              paid in Australia.                                                                                  from has a branch in New Zealand, and
                                                                                                                                                           This may offset some of their excesses                                                                     has not taken into account any particular person's                                                                    rental property is that if you borrow from                                                                Australian dollar income and expenses             you can recognise gains and losses only as      Under this rule, you generally have to
                                                  mortgage and a NZ$30,000 savings                        NZ$100,000 on a one-year rate,                                                                      But if you’re finding you’re drawing on                                                                                                                                                                                         many of the Australian banks do.
                                                                                                                                                           elsewhere.                                                                                                 objectives or circumstances. Seek financial advice
                                                                                                                                                                                                                                                                                                                                          Different tax systems                             a foreign bank to fund the purchase,                                                                      into New Zealand dollars.                         they are realised. Over those thresholds,       pay tax on any gains on a rental property
                                                  account. You’ll only pay interest on the                NZ$100,000 on a two-year rate and                                                                   your revolving credit for other reasons,                before making any decisions on your mortgage
                                                  difference between the two, in this case                                                                                                                    fix the mortgage and remove the                         structure.                                                          Australia and New Zealand have                    you may have to account for tax on the            If you do need to deduct NRWT, the bank                 There are options to do this on an actual         it may be necessary to recognise some           sold within five years of when you
                                                                                                          NZ$100,000 on a three-year rate.
                                                  NZ$70,000.                                                                                                                                                  revolving credit.                                                                                                           different rules for calculating income and        interest.                                         will usually require you to meet this cost,             transaction date, monthly, or annually,           gains and losses on an unrealised basis         bought it.
                                                                                                                                                                                                                                                                                                                                          expenditure for tax purposes.                                                                       rather than reducing the payments to the                using rates approved by Inland Revenue.           each year.
                                                                                                                                                                                                                                                                                                                                                                                            There’s an obligation to withhold and pay                                                                                                                                                                   But, if you’re liable to pay tax under this
                                                                                                                                                                                                                                                                                                                                                                                                                                              bank.                                                                                                     When you sell
                                                                                                                                                                                                                                                                                                                                          When you’re filing tax returns in each            to Inland Revenue an amount of Non-                                                                       If you borrow in Australian dollars, you’ll                                                       rule, it should be possible to offset any
                                                                                                                                                                                                                                                                                                                                          country, you’ll need to calculate your            Resident Withholding Tax (NRWT).                  For most borrowers, it may be preferable                have foreign exchange gains and losses on         Remember, any gains you make on selling         Australian tax paid on the gain.

34 JUNO |    SPRING 2019                                                                                                                                                                                                                                                                    SPRING 2019             |   JUNO 35           82 JUNO |     SPRING 2020                                                                                                                                                                                                                                                      SPRING 2020      |      JUNO 83

YO U R I N V E S T I N G                                                                                                                                                                                                                                                                    PERSONAL FINANCE                              YO U R I N V E S T I N G

                                                                                                                                                                                                                                                                                                                                                                                                              Essential Products of
                                                                                                                                                                                                                                                                                                                                                                                                         Hawke’s Bay                                                                                                          “Just don’t tell too many people what a hell
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    of a good place Hawke’s Bay is...”
                                                                                                                                                                                                                                                                                                                                                                                                       Enjoy sampling from the east coast of the North Island.                                                                                         Napier Mayor Bill Dalton

                                                                                                                                                                                                                                                                                                                                                                                     1

Invest for Your Age
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  3
                                                                                                                                                                                                                                                                                                                                                                                                                     2

There are some simple strategies to help build wealth at every age.                                                                                                                                                                                                                                                                                                                                                                                   4
Martin Hawes explains how to manage your money now, to help
you get in a good place, financially.

                                   SILENT GENERATION                                              BABY BOOMERS                                                                                                                                                                                                                    Hawke’s Bay
                                   Aged 73-100+                                                   Aged 54-72                                                                                                                                                                                                                      Essentials

                              •   You’re probably in retirement and trying to                •   You may already be in retirement, or perhaps it
                                  make the most of the money you have. You may                   looms but, in any event, life is going to be different.                                                                                                                                                                          1. Brave Brewing Co
                                  be considering downsizing the house to free up                 Retirement, with all its change, dominates Baby                                                                                                                                                                                  Bottle Rocket Extra
                                  capital, or moving to a retirement village. Some of            Boomers’ thoughts and conversations.                                                                                                                                                                                             Pale Ale, 500ml, $8.99,                                                        6
                                  you may be in a rest home.                                                                                                                                                                                                                                                                      bravebrewing.co.nz
                                                                                             •   You can expect to spend at least a couple of decades
                              •   You might want to invest your money                            in retirement, so prepare for this time frame.                                                                                                                                                                                   2. Telegraph Hill Traditional
                                  conservatively because your time is getting shorter                                                                                                                                                                                                                                             Olives, 300g, $8.69,                     10
                                                                                             •   If retirement is still some way off for you, these
                                  and income is a priority. Having said that, the                                                                                                                                                                                                                                                 telegraphhill.co.nz
                                                                                                 are the gravy years. If the mortgage and the kids                                                                                                                                                                                                                                                                                                                      5
                                  average life expectancy for people at the age of
                                                                                                 are gone, with lower costs, you can really start to                                                                                                                                                                              3. Te Mata Figs, price
                                  75 is nearly 15 years. In other words, if you’ve got
                                                                                                 squirrel away some money.                                                                                                                                                                                                        variable, tematafigs.co.nz
                                  through to age 75, the chances are you’re going to
                                  live pretty close to 90. It’s certainly not time to give   •   Many people over 65 will keep working, but that                                                                                                                                                                                  4. St Andrews Limes Saffron
                                  up on life and living yet!                                     work will probably be for fewer hours and could                                                                                                                                                                                  Lime Dressing, 300ml,
                                                                                                 be different in nature to what you did earlier                                                                                                                                                                                   $9.95, limes.co.nz
                              •   Your income needs may have declined or, perhaps,
                                                                                                 in your life.
                                  they’re starting to. They’ll likely become less than                                                                                                                                                                                                                                            5. The Apple Press Jazz
                                  when you first started retirement.                         •   Only a few of you can look forward to their ‘20                                                                                                                                                                                  juice, 350ml, $3.29,
                                                                                                 good summers’ in complete comfort. For most of                                                                                                                                                                                   theapplepress.co.nz
                              •   Having access to your money is critical in these
                                                                                                 you, there’ll be a lower income and less spending.                                                                                                                                                                                                                                                                              9                                7
                                  years. The chances of needing surgery or some kind                                                                                                                                                                                                                                              6. Chocolatier Mirams
                                  of care will place demands on your money. Aim for          •   Retirement requires planning and adjustment.                                                                                                                                                                                     Caramelised White
                                  only a little of your capital in shares and property;          Rethink how you’ve been managing your finances                                                                                                                                                                                   Chocolate Tablet, $15.50,
                                  consider putting most of it in fixed interest and              and change the way you invest. It’s a good time to                                                                                                                                                                               chocolatiermirams.co.nz
                                  cash (term deposits).                                          ask a financial adviser to do a plan for you.
                                                                                                                                                                                                                                                                                                                                  7. Bay Espresso Cafe
                              •   From 1 July, over 65s can now use a KiwiSaver              •   In general, most people will start to lower risk                                                                                                                                                                                 Blend Fair Trade, Organic
                                  account for savings, often for lesser fees than                in their portfolios a little as they approach this                                                                                                                                                                               Arabica Coffee, 250g, $12,
                                  you’d pay in other managed funds. If you do use                change in life. However, this is a phase in life that                                                                                                                                                                            bayespresso.co.nz
                                  KiwiSaver for your savings, a conservative fund is             may still last a long time. During those years, the
                                  probably best.                                                 economy could throw anything at you – recession,                                                                                                                                                                                 8. Zeffer Cherry Infused
                                                                                                 depression, high inflation, deflation.                                                                                                                                                                                           Cider, 1l, $12.99, zeffer.co.nz
                                                                                             •   It’s great to spread your investments across all                                                                                                                                                                                 9. Origin Earth cheese
                                                                                                 asset classes: shares, property, fixed interest and                                                                                                                                                                              products, from $8.50 per
                                                                                                 cash. Your investment mix will be critical for a                                                                                                                                                                                 100g, originearth.co.nz                                                                                 8
                                                                                                 good retirement – few people will want more than
                                                                                                                                                                                                                                                                                                                                  10. Arataki Manuka Honey
                                                                                                 50 per cent shares and property in their portfolios,
                                                                                                                                                                                                                                                                                                                                  UMF 15+, 500g, $79.60,
                                                                                                 and this mix will change as you get older.
                                                                                                                                                                                                                                                                                                                                  aratakihoneyhb.co.nz

28 JUNO |     WINTER 2019                                                                                                                                                                                                                                                                   WINTER 2019             |   JUNO 29                                                 90 JUNO |   AUTUMN 2019                                                                                     Photo: Craggy Range                                                                                                          AUTUMN 2019         |   JUNO 91

YO U R I N V E S T I N G                                                                                                                                                                                                                                                                   PERSONAL FINANCE                                                                                                                                                                                                                                                                                                                            LIFESTYLE

Cashflow                                                                                                                                                       Don’t Give
Path is                                                                                                                                                        Up when
Essential for                                                                                                                                                  You Don’t
Business
Success
                                                                                                                                                               Succeed
                                                                                                                                                               Right Away                                                                                                                                                                                                                                                                                                                            The
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     Portofino
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     Performs
Michael Whitehead made his                                                                                                                                     Descended from a property
fortune with an early software                                                                                                                                 pioneer, Kiri Barfoot has
company. Now he’s helping                                                                                                                                      learned for herself the secrets
others build theirs.                                                                                                                                           of success.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     Ferrari’s new Portofino redefines the convertible experience
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     with jaw-dropping acceleration and head-turning style, writes
Starting a tech business when most                                                                                                                             Kiri Barfoot started out as a salesperson in                                                                                                                                                                                                                                                                                          Brenda Ward.
households didn’t have the internet                                                                                                                            the family business, Barfoot & Thompson,
was tough, recalls entrepreneur and                                                                                                                            but now she’s a director.
philanthropist Michael Whitehead.                                                                                                                              In 1923, her grandfather was one of the                                                                                                                                                                                                                                                                                                                           The little boy peered round his Dad, eyes like            On the twisting route through Waiwera to
Whitehead co-founded WhereScape, a                                                                                                                             founders of the business. It’s since grown                                                                                                                                                                                                                                                                                                                        saucers. He couldn’t tear his eyes away from the red      Warkworth, north of Auckland, the acceleration is
data warehouse and automation software                                                                                                                         to become New Zealand’s largest privately-                                                                                                                                                                                                                                                                                                                        supercar that was burbling along behind them as           astonishing. In auto, it’s more mannered, but always
company, in 1997. As chief executive                                                                                                                           owned real estate company.                                                                                                                                                                                                                                                                                                                                        they walked on the country lane.                          pulls enough revs to sing through the corners.
and then director, he grew it into an                                                                                                                          During her time as a director, Barfoot                                                                                                                                                                                                                                                                                                                            There’s no doubt about it, driving the Ferrari            There are some clever features. If your passenger
international business with revenue of                                                                                                                         & Thompson has increased its rental                                                                                                                                                                                                                                                                                                                               Portofino is going to get you noticed.                    would like to know your speed and the camber of the
NZ$50 million.                                                                                                                                                 portfolio from around 11,000 properties                                                                                                                                                                                                                                                                                                                                                                                     corner as you wind through it (and who wouldn’t?),
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 Even if it didn’t have shiny scarlet paintwork, the       there’s a passenger read-out.
After it was sold in 2019 to US-based Idera,                                                                                                                   to 17,000.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 throaty roar of its 3.9-litre V8 turbo motor arrived
the technology and data trailblazer decided         “A lot of people will tell you that your idea       “Ultimately, people buy from people, so                Despite a neutral or slightly declining         There are pros and cons to succeeding in a           have a goal of buying a house and, by the                                                                                                                                                                                                                    before it did, soon letting you know it’s there. I defy   It also shows the music you’re playing off your phone.
to help others grow their own ventures.             is great – and it probably is – but it takes        your relationships and networks are far                Auckland market over the past three             family business, she says.                           time they achieve that, their hardworking                                                                                                                                                                                                                    anyone not to look around.
                                                                                                        more important than you first realise.                                                                                                                      and thrifty habits are ingrained – they’re                                                                                                                                                                                                                                                                             At last I spot a passing lane and three slow cars
“We started off earlier than most, that’s for       a hell of a lot more than that to make it a                                                                years, (which is now starting to pick up),      “Sometimes people tell you what they                                                                                                                                                                                                                                                                              Get used to it. That kind of attention is part of the     struggling up the hill. I switch lanes and a tap on the
                                                    success. You have to show that the path to                                                                 both branches and staff numbers have                                                                 on their way to wider success.
sure,” he says with a laugh.                                                                            “It doesn’t matter how hard you work,                                                                  think you want to hear, instead of the                                                                                                                                                                                                                                                                            deal when you drive this NZ$375,000 2+2 sportscar.        throttle later sees the car just a blur as it accelerates
                                                    making money is there.”                             you also need luck, and sometimes that’s               increased.                                                                                           She says successful people at Barfoot &
                                                                                                                                                                                                               truth, which isn’t always helpful.                                                                                                                                                                                                                                                                                                                                          from 50km/h to 100 in seconds.
“There weren’t many people who had done                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          The Portofino replaces the California and ushers
                                                    It’s sometimes a challenge being from a             meeting someone who’s happy to help                    Barfoot started out as a salesperson after                                                           Thompson are those who take the time to
the journey before us and could help us out.                                                                                                                                                                   “And there’s a degree of nepotism that                                                                                                                                                                                                                                                                            in a new era of convertibles. With the roof on, it’s      It’s been clocked accelerating from 0-100km/h in
                                                    tiny island, but our Kiwi outlook can be            you.                                                                                                                                                        learn about all the aspects of their industry,
Now I’m trying to give back – I can help                                                                                                                       spending her early years backpacking in         makes some people uncomfortable. But                                                                                                                                                                                                                                                                                                                                        3.5 seconds, but the joy of the Portofino is that
                                                    an advantage on the world stage, says                                                                                                                                                                           have exceptional people skills, build                                                                                                                                                                                                                        a sleek coupé-convertiblewith curves and class.
other people coming through not to make                                                                 “Of course, if your idea isn’t good enough,            Europe and the Middle East.                     the upside is a family-run business with                                                                                                                                                                                                                                                                                                                                    you don’t need to speed to its maximum speed of
                                                    Whitehead.                                                                                                                                                                                                      strong networks and keep up to date with                                                                                                                                                                                                                     With the press of a button, the top drops into the
the same mistakes we did.                                                                               or you’re not making enough progress,                  At 23, she joined the family business for a     an inclusive attitude and an enviable                innovation and systems.                                                                                                                                                                                                                                      boot cavity, leaving you carefree and with your hair      320km/h. Its controlled acceleration is like hitting a
                                                    Not needing to grow in scale immediately,           you need to know when to pull the plug.”               few years.                                      pedigree, which employs around 2,400                                                                                                                                                                                                                                                                              blowing in the breeze.                                    switch, fun to play with, without the fear of tickets.
“Hopefully they can make new, more                                                                                                                                                                                                                                  It’s also important not to be disheartened
                                                    Kiwi entrepreneurs have time to tackle                                                                                                                     people.”
exciting, more fun mistakes.”                                                                           Before you take on a new venture,                      After leaving to experience working in                                                               or give up when you don’t succeed right                                                                                                                                                                                                                      Leaving the Continental Cars Ferrari’s Auckland           Even on this poorly maintained road, there’s hardly
                                                    the kinds of tricky problems that other             whether it’s a tech startup or a side hustle,                                                          The real-estate business has been a                                                                                                                                                                                                                                                                                                                                         any vibration and the car stays rock solid on the road.
His new project is Tap-In Ventures, where                                                                                                                      businesses such as Clear Communications                                                              away.                                                                                                                                                                                                                                                        showroom, I immediately find myself having to
                                                    countries’ entrepreneurs don’t get                  define what you want out of it, he says.                                                               launchpad for many people looking for a
Whitehead is among the experts mentoring                                                                                                                       and Telecom, she returned to the business                                                            “People will say no to your deal, your plan,                                                                                                                                                                                                                 merge in dense traffic. Fellow drivers courteously        Reluctantly, I return it and walk around the vehicle,
                                                    around to.                                                                                                                                                 new beginning, says Barfoot.
business owners so they can take their                                                                  “Be very clear what your definition of                 in 1999.                                                                                             or your service,” she says.                                                                                                                                                                                                                                  make space for me.                                        checking out the level of luxury I’ve enjoyed. The
ideas and operations to the next level.             “You can apply a different angle to a               success is and, more importantly, what                                                                 “It’s a great opportunity. We often have                                                                                                                                                                                                                                                                                                                                    seats are finely tailored leather and although they’re
                                                                                                                                                               After learning the ropes as a property                                                               “But you can’t go home and sulk about                                                                                                                                                                                                                        Idling while waiting for the motorway on-ramp
                                                    problem, which means you can look and               your definition of failure is: ‘If I don’t                                                             people joining the team who are recently                                                                                                                                                                                                                                                                                                                                    low, it’s easy to slip into the driver’s seat, with wide
The first essential is positive cashflow, he                                                                                                                   manager and salesperson, she became a                                                                it. You need to fix the problem, be able to                                                                                                                                                                                                                  lights isn’t even a chore. The revs drop but the car
                                                    sound different, which can give your                achieve this by then, I need to pivot’.                                                                divorced, raising families, or haven’t been                                                                                                                                                                                                                                                                                                                                 doors that don’t get in the way.
says, if not right now, at least a path to it                                                                                                                  branch manager – although only after five                                                            receive and accept constructive feedback,                                                                                                                                                                                                                    behaves impeccably.
                                                    product a unique position.”                                                                                                                                in paid work for a long time.
in the future.                                                                                          “You need to know when to call it.                     rejections.                                                                                          or say: ‘Okay,’ and move on.                                                                                                                                                                                                                                                                                           Boot space is more generous than you’d expect –
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 I ease the car along Auckland’s northern motorway,
                                                    You also need the right people.                                                                                                                            “And we see a lot of new immigrants who                                                                                                                                                                                                                                                                                                                                     there’s room for a couple of bags, even with the roof
“At MIT in Boston, on an entrepreneur                                                                   “If you’re putting in all those hours and              “You don’t always get the job you want                                                               “To succeed, you’ve got to have realistic                                                                                                                                                                                                                    building up to road speed. Using the paddles, the
                                                                                                                                                                                                               might be qualified lawyers or engineers,                                                                                                                                                                                                                                                                                                                                    stowed, after slipping across a divider.
course, Ken Morse told us, ‘CIMITYM:                “When you scale up, you get a different             all that work, and it’s not succeeding,                the first time around, even if you have the                                                          expectations. Trust your gut, but also make                                                                                                                                                                                                                  car switches effortlessly through the seven gears,
                                                                                                                                                               same last name as the company,” she says        but they can’t get work in New Zealand.”                                                                                                                                                                                                                                                                          always responsive to the lightest blip of the throttle.
Cashflow is more important than your                level of problems that can’t be sorted just         maybe it never will. Know what success                                                                                                                      sure you do your research and ask lots of                                                                                                                                                                                                                                                                              But let’s not talk practicalities. If you wanted to take a
mother’.                                            by money,” Whitehead says.                          looks like for you.”                                   with a laugh.                                   She says these successful people often               questions.”                                                                                                                                                                                                                                                  So much horsepower, so under control.                     load, you’d use your other car. Right?

34 JUNO |     AUTUMN 2020                                                                                                                                                                                                                                                                AUTUMN 2020            |       JUNO 35           96 JUNO |      AUTUMN 2019                                                                                                                                                                                                                                                    AUTUMN 2019      |       JUNO 97

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Media Kit 2020
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                                  Unique visitors

                                  40,700
                                  Correct 2019-20

                                  Traffic from mobile

                                  49%

                                                                                    Media Kit 2020
MEDIA KIT 2020 - JUNO Investing
JUNO In Numbers

Social Media
Facebook – Up 271%

13,000
4,200
Digital Issue

                reads Winter 2020

Newsletter (EDM)

                                    12,790
                                    Subscribers – Up 6%

JUNO produces two newsletters
per month.

                                    26.7%
                                    Average open rate – Up 25%

                                                                 Media Kit 2020
MEDIA KIT 2020 - JUNO Investing
JUNO Reader Profiles

                                                     JUNO readers are:

  65%                                                     71%                                          90%
  35%
                   male

                                                     of readers have household                     of readers plan to travel
                                                       income over $100,000.                    overseas on holiday each year.

                                                        28%                                            92%
                 female

       18%   aged 18-34
                                                            plan to buy an
                                                         investment property.
                                                                                               of readers own their own home.

       44%   aged 35-54
                                                        42%                                            38%
       38%
                                                        of readers class their                    will buy a new car this year.
                                                       occupations as business
                                                         managers, owners
                                                          or entrepreneurs.

               aged 55+

              The Explorer                                 The Entrepreneur                              The Baby Boomers
                  AGE 25-32                                       AGE 32-49                                       AGE 54-73
         Males & females, educated,                   Males & females, entrepreneurial,          Males & female, nonconformists and hard
          optimistic, in search of an                individualistic, conservative with the       workers, big spenders and poor savers.
                authentic life                               money they’ve made                           In search of a good life

     The Explorer craves adventures and             The Entrepreneurs struggled to find jobs    This is a generation that broke with tradition in
  discoveries, preferring to spend money on          after college, leading them to venture      almost every part of life, and is likely to enter
their desires to visit every continent and travel     out on their own. They have ‘money       retirement with a powerful voice and a need for
 abroad over buying homes and cars. This is          to burn’, with the highest personal net    recognition. Baby Boomers have discretionary
 a generation that is burdened financially by        worth, but they are also conservative      income and what they spent on essentials, like
  student loans or enjoying the freedom that         with their money and save more than       food and housing, can now include luxuries, like
         comes with paying them off.                               they spend.                         a larger wardrobe and recreation.

                                                                                                                                    Media Kit 2020
MEDIA KIT 2020 - JUNO Investing
Regional Profiles

   3%
 WHANGAREI
                             54%
                                              5%
                             AUCKLAND

    6%
                                             TAURANGA
   HAMILTON

     2%                                   2%
                                        HAWKE’S BAY
PALMERSTON NORTH

                                        12%
                                        WELLINGTON

                             6%
                         CHRISTCHURCH

                   5%
                   DUNEDIN

                                                        Media Kit 2020
MEDIA KIT 2020 - JUNO Investing
Future Issues

Summer                           Autumn                             Winter                             Spring
2020                             2021                               2021                               2021
Money & Your Mind                Invest For Your Age                Live Like a Millionaire For Less The Portfolio Puzzle

• The tricks your mind plays     • Your money journey: Your         • Make a save look like a          • What’s the best portfolio for
  on you                           20s, 30s, 40s, 50s, 60s+           splurge                            you?
• How an adviser can change      • What happens when                • Smart cars: what you should      • Invest forever, live today
  your life                        you die?                           drive                            • Funds: what do they do?
• Compound interest: Make it     • Baby investors: too early?       • Divorce, do it now, later – or   • Syndicates and proportional
  work for you                   • Managing your mortgage             never?                             investing
• What are you teaching your       at every stage                   • Lifestyle creep and how to       • Hedging and how it can
  kids?                          • Staying fit, staying smart         avoid it                           help you invest
• How to get over money stress   • Shares each generation           • Kiwi dreams: The Beemer,         • Why property works in your
• Why do it later,                 loved                              the bach and the boat              portfolio
  procrastinator?                • Famous people who got            • Buy a third fewer clothes        • Currencies
• Why the famous got rich          rich young                         and look twice as rich           • Laddering investments
• Accountants, DIY or Xero?      • Travel: A passion for Portugal   • Décor save or splurge            • Your risk level
• Travel: On the Murray River    • Hot cars                         • Travel: A tent in the Med        • Travel: Sahara Desert crossing

On sale 23 November 2020         On sale 22 February 2021           On sale 24 May 2021                On sale 23 August 2021

                                                                                                                            Media Kit 2020
MEDIA KIT 2020 - JUNO Investing
Print Rate Card
                                                            (GST exclusive)

                                      1 Issue                     2 Issues                               4 Issues

 DPS                                  $4,900                      $3,900                                 $3,500

 Full page                            $3,200                      $2,900                                 $2,200

 Half Page Horizontal                 $1,900                      $1,500                                 $1,200

 Premium positions DPS                                                Other Options
 Inside Front Cover                   $5,200                          'What We Like' product showcase             $500
 Second DPS                           $5,000
                                                                      'Business Vision' business profile          $500
 Inside Back Cover                    $5,000
                                                                      Magazine insert                             POA
 Premium positions FP
 Outside Back Cover                   $3,500
 First Right                          $3,300
                                                                     Ad Specifications
 Design Service                       $500

Booking Deadlines
 Summer 2020                          30 October2020
 Autumn 2021                          29 January 2021
 Winter 2021                          30 April 2021
                                                                     Double page spread                         Full page
 Spring 2021                          30 July 2021
                                                                     W450mm x H297mm                            W225mm x H297mm
                                                                     (plus 5mm bleed)                           (plus 5mm bleed)
Advertisement Deadlines (print ready PDF)
 Summer 2020                          30 October 2020
 Autumn 2021                          29 January 2021
 Winter 2021                          30 April 2021
 Spring 2021                          30 July 2021

Cancellation Dates                                                   Half page horizontal
 Summer 2020                          30 October2020                 W225mm x H148mm
                                                                     (plus 5mm bleed)
 Autumn 2021                          29 January 2021
 Winter 2021                          30 April 2021
                                                                     All advertisements are to be supplied as CMYK high
 Spring 2021                          30 July 2021
                                                                     resolution PDFs.
If a booked advertisement is cancelled after these dates,
50% of the advertisement price will be charged.                      Please add 5mm bleed to all advertisements.

On Sale Dates
                                                                     PUBLISHED BY:
 Summer 2020                          23 November 2020
                                                                              Magazine
 Autumn 2021                          22 February 2021
                                                                     Brenda Ward
 Winter 2021                          24 May 2021
                                                                     JUNO, The Generator, Level 1, 28 Customs Street East, Auckland Central 1010
 Spring 2021                          23 August 2021
                                                                     www.junoinvesting.co.nz

                                                                                                                                     Media Kit 2020
Booking Form

Advertiser:

Product:          JUNO Investing Magazine (print publication)

                  JUNO Investing Magazine (digital publication)

Please book space for the following:

Advertising                  On-sale date         Content/booking details   Rate           Material Deadline

Other important points:

All advertisements are to be supplied as CMYK high resolution PDFs, with 5mm bleed.

Cancellation Fee (50% after cancellation dates on media kit).

Please read full terms and conditions on media kit before signing.

Editor                                          Editor Signature

Client Name                                     Client signature                      Company Name (for invoice)

Date

Contact Details
Advertising enquiries
Anita Hayhoe – anita@junoinvesting.co.nz

JUNO, The Generator, Level 1,
28 Customs Street East, Auckland Central 1010

www.junoinvesting.co.nz

                                                                                                          Media Kit 2020
Terms and Conditions

Conditions of acceptance of advertising
These conditions are deemed part of the contract issued by JUNO Magazine. JUNO Magazine is owned and operated by Opes Media Limited.

Postponement or cancellation of space
This cannot be effected after 5pm as dated on the booking form.

Material
a All advertising material shall be delivered to the Publisher without expense to the Publisher.
b Any expenses incurred following copy deadline date in trying to secure material (e.g. toll calls, freight, couriers etc) shall be recoverable from
  the Advertiser or Advertising Agency and shall be charged out as a disbursement (non-commission bearing).
c   Where new copy or instructions to repeat have not been received from a contract Advertiser by copy deadline date the Publisher reserves the
    right to repeat any previously run copy, or to compose or enter substitute copy at the Publisher’s absolute discretion and charge full rates plus
    production.
d Advertisement material is held at the Advertiser’s risk and is not insured by the Publisher. Material will only be returned on request and any
  material unused for 36 months will be destroyed.
Rates
Should advertising rates change, Advertisers on a current contract with JUNO Magazine will be given rate protection (i.e. charged at ‘old’ rates) from
and including the issue at which any new rate increase takes effect.
Payments
The charge for an advertisement will be in accordance with the published ratecard applying at the time for the publication, unless we agree otherwise
in writing. Rates for space orders apply for the whole space and are not reduced if the whole space is not used. Rates confirmed in advertising volume
agreements will be honoured over the period of that agreement if all other conditions of the agreement have been met by you.
If payment on a commercial account is not made by due date (which is 10 days after publication, unless we specify otherwise) you will be liable for
interest at market rates and all costs of recovery, commissions and collection fees.
All casual advertising must be prepaid prior to publication.
Terms
Accounts for advertising space and production are due for payment within 10 days of invoice. Advertisers and their Advertising Agencies are jointly
and severally liable for payments due under any contract. For the purposes of this clause the months of publication are May, August, November and
February. The month of publication shall be deemed to be the month of the invoice date. Any costs, fees, legal expenses or commissions incurred in
obtaining payment are to be charged to the client’s account.
Tax and levies
Any Government or industry taxes and/or levies are additional to the current rates structure shown on the rate card. GST (currently 15%) is payable
on all payments from a New Zealand source and on such overseas advertising as may from time to time be deemed liable by the Inland Revenue
Department.
General
a The Publisher reserves the right to decline the insertion of any advertisement.
b The placement of an advertisement is at the Publisher’s discretion – except where a 10% preferred position loading has been paid.
c   Casual displacement, rejection or omission of an advertisement does not invalidate a space order.
d While every care is exercised, the Publisher will not accept liability for any loss whatsoever incurred through error either in the content of an
  advertisement, or the incorrect appearance of an advertisement.
Terms of acceptance of advertising copy
In accepting an advertisement for publication, and in publishing it we are doing so in consideration of and relying on your express warranty, the truth
of which is essential:
a That the advertisement does not contain anything that:
    (i)   is misleading or deceptive or likely to mislead or deceive or which otherwise breaches the Fair Trading Act 1986;
    (ii) is defamatory or indecent or which otherwise offends against generally accepted community standards;
    (iii) infringes a copyright or trademark or otherwise infringes any intellectual or industrial property rights;
    (iv) breaches any provision of any statute, regulation, by-law or other rule or law, and
b That the advertisement complies in every way with the Advertising Codes of Practice issued by the Advertising Standards Authority Inc. (“ASA”)
  and with every other code or industry standard relating to advertising in New Zealand, and;
c Publication of the advertisement will not give rise to any liability on our part or in a claim being made against us.
The Advertiser acknowledges that JUNO Magazine relies on the provisions of this Clause in accepting the advertisement for production. The Advertiser
hereby agrees to indemnify the Publisher against all losses or costs, legal or otherwise, arising as a result of the publication of the advertisement.

                                                                                                                                                Media Kit 2020
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