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Frances Cook
BusinessDesk Investments Editor
Hamilton, New Zealand

BusinessDesk Investments Editor

We are your advocate, Aotearoa. Uncovering stories that matter, asking hard-hitting questions of those in power, live-blogging sport events, monitoring the highs and lows of the NZX and providing Premium expert opinion and analysis. Bringing you distinctive, quality journalism and breaking news from across New Zealand and around the world. With specialists working together to create indepth reads, engaging video, and unmissable podcasts.

Check out Frances’s latest content
Cooking the Books: How to tell scammers from do-gooders in ethical investing
Personal Finance

Cooking the Books: How to tell scammers from do-gooders in ethical investing

09 Jun 10:53 PM
Cooking the Books podcast: Is bitcoin legit now?
Personal Finance

Cooking the Books podcast: Is bitcoin legit now?

12 May 05:00 PM

There's been a shift in how the mainstream finance world approaches the cryptocurrency

Cooking the Books: Can investing in fossil fuels actually be the ethical choice?
Sustainable business & finance

Cooking the Books: Can investing in fossil fuels actually be the ethical choice?

05 May 05:00 PM

With emissions still rising, what's the best strategy to invest with impact?

The truth behind building passive income through the sharemarket
Personal Finance

The truth behind building passive income through the sharemarket

28 Apr 05:00 PM

Is true passive income even possible?

Cooking the Books: The tricks to living a good life for less
Inflation

Cooking the Books: The tricks to living a good life for less

21 Apr 05:00 PM

Boujee on a budget? Absolutely possible.

Cooking the Books: What’s the cost of sustainable investing?
Sustainable business & finance

Cooking the Books: What’s the cost of sustainable investing?

14 Apr 05:00 PM

For the last few years, sin was not in.

How the sharemarket can be used to create financial freedom
Personal Finance

How the sharemarket can be used to create financial freedom

07 Apr 05:00 PM

Women who used shares to create financial independence share their stories.

Cooking the Books: Why self-employed workers need a different plan for retirement
Employment

Cooking the Books: Why self-employed workers need a different plan for retirement

31 Mar 04:00 PM

As times get tougher, many are giving up on KiwiSaver.

Cooking the Books: How to talk to your kids about investing
Personal Finance

Cooking the Books: How to talk to your kids about investing

24 Mar 04:00 PM

It's often on parents to help their kids sink or swim in the money world.

‘Rich listers addicted to the success not the money’ – what Liam Dann’s learned
Media and marketing

‘Rich listers addicted to the success not the money’ – what Liam Dann’s learned

17 Mar 04:00 PM

His new book, 'BBQ Economics', is a guide to the engine room of your money.

Strategies to help when your job is stressing you out
Employment

Strategies to help when your job is stressing you out

13 Mar 04:00 PM

A wellbeing report shows financial advisers are feeling stressed, but still love the job.

Cooking the Books podcast: Why the RBNZ thinks your money life is about to get better
Personal Finance

Cooking the Books podcast: Why the RBNZ thinks your money life is about to get better

10 Mar 04:00 PM

Hope is on the horizon for interest rates.

Mortgage myths that can hold first-home buyers back
Personal Finance

Mortgage myths that can hold first-home buyers back

03 Mar 04:00 PM

Being single, self-employed or not having a 20 per cent deposit needn't mean no.

What you need to know about likely mortgage rule changes
Banking and finance

What you need to know about likely mortgage rule changes

18 Feb 04:00 PM

The possibility of debt-to-income ratios being used has worried first home buyers.

What to know when you’re trying to pick the best KiwiSaver
Personal Finance

What to know when you’re trying to pick the best KiwiSaver

11 Feb 04:00 PM

Expert recommends taking a long-term view when deciding if you’re happy with your fund.

How frugal living and investing saw this Kiwi couple retire at 31
Personal Finance

How frugal living and investing saw this Kiwi couple retire at 31

05 Feb 04:45 AM

They wanted to spend time with their kids while they were still young.

Why ‘boring’ investing trends are back
Personal Finance

Why ‘boring’ investing trends are back

28 Jan 04:00 PM

Meme stocks are out

How to make money from your spare room
Personal Finance

How to make money from your spare room

21 Jan 04:00 PM

A successful Airbnb listing often comes down to the pictures.

How to protect your career after kids with ‘couple maths’
Personal Finance

How to protect your career after kids with ‘couple maths’

14 Jan 04:00 PM

You need a longterm plan to protect your finances.

Cooking the Books: Why investing in commercial property is both easier and harder than ever before
Investment

Cooking the Books: Why investing in commercial property is both easier and harder than ever before

07 Jan 04:00 PM

The push to work from home changed the commercial property game.

How to watch your pennies in 2024
Personal Finance

How to watch your pennies in 2024

31 Dec 04:00 PM

Inflation may go down, but there are other problems on the horizon.

Cooking the Books podcast: Beware ‘fake sales’ at Christmas
Business

Cooking the Books podcast: Beware ‘fake sales’ at Christmas

17 Dec 04:00 PM

It can lead to an overspend and debt spiral.

Cooking the Books: What happens when your identity is stolen
Personal Finance

Cooking the Books: What happens when your identity is stolen

10 Dec 04:00 PM

There are ways to fight back against fraudulent acts committed in your name.

Cooking the Books: Why KiwiSaver needs to change
KiwiSaver

Cooking the Books: Why KiwiSaver needs to change

03 Dec 04:00 PM

It isn't working as hard for New Zealanders as it could be.

How to know when it’s time to sell your business
Personal Finance

How to know when it’s time to sell your business

29 Nov 04:00 PM

And get the best price for it, too

Cooking the Books: Why embracing a ‘personal brand’ could get you a pay rise
Employment

Cooking the Books: Why embracing a ‘personal brand’ could get you a pay rise

26 Nov 04:00 PM

It can be the key to earning more without returning to studying.

Cooking the Books: Why ignoring your KiwiSaver could cost you $88,000
KiwiSaver

Cooking the Books: Why ignoring your KiwiSaver could cost you $88,000

19 Nov 04:00 PM

Sticking with a provider that isn’t doing so well could cost you big time.

Cooking the Books: What businesses need to know about a rough economy
Economy

Cooking the Books: What businesses need to know about a rough economy

15 Nov 05:13 PM

If you think interest rates are hurting mortgage holders, it's even worse for businesses.

What it’s really like to quit your job and travel with the family
Employment

What it’s really like to quit your job and travel with the family

12 Nov 04:00 PM

One couple decided it was now or never.

Cooking the Books podcast: How to budget without restriction
Personal Finance

Cooking the Books podcast: How to budget without restriction

05 Nov 04:00 PM

Nobody likes a budget, but there are ways to make them easier.

Cooking the Books podcast: Four key drivers of cashflow success
Small Business

Cooking the Books podcast: Four key drivers of cashflow success

01 Nov 04:00 PM

Cashflow sounds simple, but it's the biggest killer of businesses.

Making money as interest rates soar - what's the best option?
Personal Finance

Making money as interest rates soar - what's the best option?

29 Oct 04:00 PM

The favoured investments have all changed.

Would you trust AI with your investing portfolio?
Personal Finance

Would you trust AI with your investing portfolio?

22 Oct 04:00 PM

Questions have been raised about its reliability.

Cooking the Books podcast: How to take a small business international
Personal Finance

Cooking the Books podcast: How to take a small business international

18 Oct 04:00 PM

If you're in a specialised area, going for a global customer base can be crucial.

Premium
Frances Cook: Why KiwiSaver for your kids may be a mistake
Opinion

Frances Cook: Why KiwiSaver for your kids may be a mistake

18 Oct 07:05 AM

OPINION: You could accidentally hamstring them instead of giving them a head start.

Cooking the Books podcast: Your bank account is changing - here’s what you need to know
Personal Finance

Cooking the Books podcast: Your bank account is changing - here’s what you need to know

15 Oct 04:00 PM

Between a Commerce Commission investigation and law changes, there's a lot going on.

Premium
Three basic money mistakes costing New Zealanders
Personal Finance

Three basic money mistakes costing New Zealanders

08 Oct 04:00 PM

A couple of quick changes can save thousands.

Cooking the Books podcast: Is the wild side of investing worth the risk?
Personal Finance

Cooking the Books podcast: Is the wild side of investing worth the risk?

08 Oct 04:00 PM

From margin lending to crypto, should you go there?

Cooking the Books podcast: Tough times mean you need to get serious about a business strategy
Personal Finance

Cooking the Books podcast: Tough times mean you need to get serious about a business strategy

04 Oct 04:00 PM

The right strategy can mean your business still grows strongly.

Cooking the Books podcast: Why most of us say we want to invest ethically, but don’t
Personal Finance

Cooking the Books podcast: Why most of us say we want to invest ethically, but don’t

01 Oct 04:00 PM

There's a mismatch between what we say, and do.

From 15-year-old high school drop out to business owner with a $60k side hustle
Personal Finance

From 15-year-old high school drop out to business owner with a $60k side hustle

25 Sep 06:42 AM

She decided that school wasn't her only path to success

Cooking the Books podcast: How to get paid in business
Personal Finance

Cooking the Books podcast: How to get paid in business

20 Sep 05:00 PM

Getting paid is one of the important parts of business, but can be surprisingly difficult.

Cooking the Books podcast: How two mums started a baking business with $1000, a home printer, and glue sticks
Personal Finance

Cooking the Books podcast: How two mums started a baking business with $1000, a home printer, and glue sticks

17 Sep 05:00 PM

It gave them the work-life flexibility to be more present with their children.

Cooking the Books: What to do if you’re feeling the mortgage pain
Interest rates

Cooking the Books: What to do if you’re feeling the mortgage pain

10 Sep 05:00 PM

When interest rates are so high, there are tactics to make the mortgage pain more bearable

The digital tools that can help your business fly
Personal Finance

The digital tools that can help your business fly

06 Sep 05:00 PM

The right software can eliminate drudge work.

Cooking the Books podcast: Can you trust the bank to protect your savings?
Personal Finance

Cooking the Books podcast: Can you trust the bank to protect your savings?

03 Sep 05:00 PM

There are new rules about what happens to your savings in a crisis.

How to spot an ethical investment
Personal Finance

How to spot an ethical investment

27 Aug 05:00 PM

Accusations of greenwashing are everywhere, so how do you spot them?

Cooking the Books podcast: How to talk about money with your partner
Personal Finance

Cooking the Books podcast: How to talk about money with your partner

23 Aug 05:00 PM

There are ways to have the conversation which will make an argument less likely.

Why some Lotto winners end up broke
Personal Finance

Why some Lotto winners end up broke

20 Aug 05:00 PM

A windfall can mess with your money mindset.

What to know before starting a business
Personal Finance

What to know before starting a business

16 Aug 05:00 PM

Starting on the right foot is crucial

Cooking the Books podcast: Why weight-loss drug Ozempic is getting Wall St attention
Personal Finance

Cooking the Books podcast: Why weight-loss drug Ozempic is getting Wall St attention

13 Aug 05:00 PM

It's one of the trends fund managers are banking on making money for investors.

Cooking the Books podcast: How to find recession-proof stocks
Personal Finance

Cooking the Books podcast: How to find recession-proof stocks

09 Aug 05:00 PM

Investing in a recession can bring gains as some companies do better in a downturn.

Cooking the Books podcast: How one woman paid off $187k in two years
Personal Finance

Cooking the Books podcast: How one woman paid off $187k in two years

06 Aug 05:00 PM

She went from deeply in debt to being rich enough to buy into a castle in Italy

Could you make money investing in luxury handbags?
Investment

Could you make money investing in luxury handbags?

30 Jul 05:00 PM

Sometimes a luxury handbag can be a wealth plan, and sometimes it's just losing your cash.

Cooking the Books podcast: Where to turn if debt is getting out of control
Banking and finance

Cooking the Books podcast: Where to turn if debt is getting out of control

26 Jul 05:00 PM

There are organisations that will help, and strategies to pay it off faster.

How a hobby Instagram page turned into a six-figure business
Personal Finance

How a hobby Instagram page turned into a six-figure business

23 Jul 05:00 PM

Pink Pony Creative was born out of a social media challenge.

Opinion: People are being scammed and it’s my fault
Opinion

Opinion: People are being scammed and it’s my fault

18 Jul 05:00 PM

Opinion: Social media scammers are out of control.

Cooking the Books podcast: Nigel Latta on why the scam industry is booming
Personal Finance

Cooking the Books podcast: Nigel Latta on why the scam industry is booming

17 Jul 07:29 AM

If you feel like the number of scammers are on the rise, you're right.

Climate change issue that will change your KiwiSaver and investments
Personal Finance

Climate change issue that will change your KiwiSaver and investments

09 Jul 05:00 PM

A change is under way that will send some company values up, and others down.

Cooking the Books podcast: How to take your business from start-up to international success
Personal Finance

Cooking the Books podcast: How to take your business from start-up to international success

02 Jul 05:00 PM

Sometimes closing your business can be the first step towards superstar success.

Cooking the Books podcast: What it takes to succeed as a digital nomad
Personal Finance

Cooking the Books podcast: What it takes to succeed as a digital nomad

25 Jun 05:00 PM

Behind the dream of travelling the world, what does it actually take?

Cooking the Books podcast: Why your age totally changes your KiwiSaver strategy
Personal Finance

Cooking the Books podcast: Why your age totally changes your KiwiSaver strategy

21 Jun 05:00 PM

Many of us are doing KiwiSaver wrong.

How a teacher retired early by saving 90% of her income
Personal Finance

How a teacher retired early by saving 90% of her income

18 Jun 05:00 PM

She wanted the ability to travel and spend more time with her family.

Cooking the Books: Why sharemarket has hit pause, how to make money from it
Inflation

Cooking the Books: Why sharemarket has hit pause, how to make money from it

11 Jun 05:00 PM

ETF trading has fallen around 75 per cent.

How one woman went from living payday to payday, to mortgage free - in just 7 years
Personal Finance

How one woman went from living payday to payday, to mortgage free - in just 7 years

04 Jun 05:00 PM

She says once she learned more about money, she realised where she was going wrong.

What you need to know about the falling property market
Personal Finance

What you need to know about the falling property market

29 May 07:37 AM

The Reserve Bank predicts the falling prices aren't finished yet.

How much do you need to invest to get passive income?
Investment

How much do you need to invest to get passive income?

22 May 05:00 PM

Whether it's shares or property, you can make money without going to work.

Cooking the Books podcast: The 29-year-old who makes $700 a week thrift flipping
Personal Finance

Cooking the Books podcast: The 29-year-old who makes $700 a week thrift flipping

14 May 05:00 PM

She says the side hustle only takes three hours a week.

How to make your credit card company give you money
Personal Finance

How to make your credit card company give you money

07 May 05:00 PM

Different companies are making offers to lure in customers, including some major perks.

The 25-year-old who ditched fast fashion to pursue financial freedom
Personal Finance

The 25-year-old who ditched fast fashion to pursue financial freedom

30 Apr 05:00 PM

Without earning big bucks or using family help, she's ready to hit financial independence.

Cooking the Books podcast: Would you invest in someone else’s mortgage?
Investment

Cooking the Books podcast: Would you invest in someone else’s mortgage?

23 Apr 05:00 PM

Peer-to-peer lending means the opportunity for individuals to make money like the banks do

Cooking the Books podcast: How to take a business from bootstrapped beginnings, to VC investment
Personal Finance

Cooking the Books podcast: How to take a business from bootstrapped beginnings, to VC investment

16 Apr 05:00 PM

The founder of Twiice shares how he plans to break into Europe.

Cooking the Books: Can you still get a pay rise in 2023?
Personal Finance

Cooking the Books: Can you still get a pay rise in 2023?

09 Apr 05:00 PM

As more New Zealanders feel the cost of living squeeze, one strategy is to get paid more.

How to win the staff talent war
Personal Finance

How to win the staff talent war

02 Apr 05:00 PM

With employers fighting to find staff, here's what really matters to employees.

Cooking the Books: Why higher interest rates are causing banks to collapse
Banking and finance

Cooking the Books: Why higher interest rates are causing banks to collapse

26 Mar 04:00 PM

A banking expert shares how likely a bank collapse is for New Zealand.

What we’ve learned from small investors taking over the share market
Personal Finance

What we’ve learned from small investors taking over the share market

19 Mar 04:00 PM

Index investing changed the game, so what's next?

Cooking the Books podcast: The couple who changed their money to become semi-retired in five years
Personal Finance

Cooking the Books podcast: The couple who changed their money to become semi-retired in five years

12 Mar 05:00 PM

Shares and property investing gave them the freedom to go travelling with their kids.

Cooking the Books podcast: How insurance will be changed by climate change
Personal Finance

Cooking the Books podcast: How insurance will be changed by climate change

05 Mar 06:08 PM

If you think insurance is expensive now, it's about to get worse.

Cooking the Books: How to invest through a recession
Personal Finance

Cooking the Books: How to invest through a recession

26 Feb 09:06 PM

Cooking the Books podcast: Economic downturn can be an opportunity if you handle it right.

Cooking the Books podcast: How to baby-proof your finances… kind of
Personal Finance

Cooking the Books podcast: How to baby-proof your finances… kind of

19 Feb 04:00 PM

Kids are a delight, but also expensive, which puts many people off.

Is it still worth investing in property?
Personal Finance

Is it still worth investing in property?

12 Feb 06:11 PM

Has the best time for investing in property been and gone?

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