Investors have been increasingly looking for options aligning with their personal ethics and values, without compromising on potential returns – and evidence is saying they can get both.
The New Default(s)
Every seven years, the Government reviews the default KiwiSaver providers to make sure you, the investor, are getting the best bang for your buck. They conduct these reviews based on a number of factors including investment performances, services, and fees. The idea is that the default funds selected by this process are going to give you the best outcome for your retirement journey.
When it Rains, it Pours
A Consumer NZ sentiment tracker recently reported that 15 per cent of New Zealanders have no savings, 27 per cent were anxious about the level of their savings, and one in ten of the respondents indicated spending more than they saved over the past three months.
One Simple Thing
For most of us, KiwiSaver is the primary vehicle that will help us reach our retirement goals. So it is a good idea to spend some time reviewing your KiwiSaver with the help of a financial adviser and make sure you are maximising your returns.
Are you on track to get an extra $521 into your KiwiSaver?
Wouldn't it be great to get an extra $521 into your KiwiSaver? As your KiwiSaver adviser, we want to ensure you don’t miss out! You may already know that the government pays 50 cents for every dollar you contribute to your KiwiSaver account each year, up to $521.43.
Gifting that might be taking
New Zealand has remained prosperous for more than a decade if you're judging based on recessions, but it hasn't happened without creating wealth divisions. The property ladder issue has led to some parents feeling the need to help the kids reach the first rung. What are the issues?
Dark side with the brightest possibilities | Covid-19 Special Focus
Just like the dark side of the Moon, “everyone is selling” is a technically flawed statement. It’s important to remember that investing is a long-term game and panic selling can do more harm than good to an investment journey.
Market Falls & Recoveries | Covid-19 Special Focus
An important part of our role at Stewart Group is to give our clients the confidence that it is sensible and prudent to remain disciplined when stock markets are volatile. We think this video will hopefully add to that confidence.
Got any financial freedom plans?
If you start thinking something like “This is all of our life saving, we can’t afford to lose any of it, or we can’t afford to take any risk in the stock market.” I would ask, can you really afford not to invest? Are you sure about that?
Simply Super
Finding $20 in your pocket is always great but imagine finding thousands of dollars in super that you had lost track of? According to the Australian Taxation Office (ATO), as at 17 May 2019, there were AUD$ 17.5 billion funds in lost and unclaimed super money, and we know that a large proportion of these funds belongs to Kiwis.
Strategies for the five ages of KiwiSaver
There are five ages of KiwiSaver. Each of them calls for different strategies to get the best from New Zealand's $50 billion savings scheme offers. People jumped into KiwiSaver, many when the $1000 kickstarter was still available for their kids, and what happened was they became disengaged.
Hang in there, KiwiSavers!
Despite recent market volatility KiwiSavers should be happy with their investment. Now is not the time to be cutting and running or you will miss the benefits of long term investing. Even default funds are doing better.
What is asset allocation for KiwiSaver funds?
Most KiwiSaver providers let their customers choose how their balance is invested, by choosing the fund type to invest their contributions and employer contributions in. The KiwiSaver fund types have different ways of investing money, for example different combinations of cash allocations or shares.
KiwiSaver: Can your investment path be improved?
When KiwiSaver was established on July 1, 2007, the scepticism it had faced turned out to be unfounded. In a little over a year, more than one million people had signed up.
The espresso portfolio
When you haven't got much capital of your own, the road to financial security can seem long, hard and complex. But the truth is that wealth building is relatively simple. All it takes is time and the price of a cup of coffee.
Ready for KiwiSaver Member Tax Credit?
For every dollar that you put into your KiwiSaver account, the government will put in 50 cents, up to a maximum of $521.43 per KiwiSaver year.
Set money goals you'll stick to...
Are you good with money? If so, you’ll know how satisfying it can be to decide what you want to achieve, plan how to get there and then sit back to watch your money grow.
KiwiSaver Vs. Volatility
Early in February after a long period of relative calm, the world found out that markets do contain a level of volatility they move up and DOWN and sometimes they can move quite quickly. What does this all mean to your average KiwiSaver investor… not much.
It's not all smashed avocado for millennials – Part II
In New Zealand, trend pieces often depict millennials in the context of young urban professionals spending too much money on avocado-based brunches and too little time saving for a deposit on a house.
Millennials, take charge of your financial future – Part I
We have all read about the financial plight of millennials, who are not only drowning in student loan debt but other loans and expenses as well. They include car payments, rents or mortgages, and credit card bills.
