When we hear and read about market volatility, it is perfectly normal to feel a little nervous. When we consider why there is so much volatility we only need to look towards the USA and the looming threat of global trade wars. The other main concern is that the USA looks to be heading into […]
When we hear and read about market volatility, it is perfectly normal to feel a little nervous. When we consider why there is so much volatility we only need to look towards the USA and the looming threat of global trade wars. The other main concern is that the USA looks to be heading into […]
Building your dream home is an exciting journey, but it requires a solid financial plan to bring your vision to life. For many Kiwis, construction loans offer the flexibility and funding needed to turn their dream into a reality. In this article, we’ll explore how construction loans work, their risks, and how to get started. […]
Why Being Underinsured Can Be More Expensive in the Long Run When it comes to personal insurance, many New Zealanders either don’t have enough cover or don’t have any at all. It’s a common belief that insurance is an unnecessary expense – until the unexpected happens. The reality is that being underinsured can end up […]
The latest Morningstar KiwiSaver Survey for Q4 2024 has confirmed what we expected – 2024 was a stellar year for KiwiSaver investors. KiwiSaver assets increased, ending the quarter at NZD 121.9b, up around $24b for the year. Growth funds delivered an average return of 15% after fees, with aggressive funds performing even better. However, the […]
There’s something magical about the start of a new year. It’s like a giant reset button – a chance to reflect, set new goals, and feel optimistic about the months ahead. But while resolutions often start strong, they can quickly fizzle out if they’re too big or too boring. So, let’s talk about kick-starting 2025 […]
Mothers always seem to know best. Whether it’s how to fold fitted sheets (still a mystery to some of us) or the perfect way to make a cuppa, their wisdom is often timeless. When it comes to managing money and building good savings habits, the advice from our mums can be surprisingly on point, which […]
Making Property Investment Work for You Investing in property is often seen as a game for the wealthy, but it doesn’t have to be. With interest rates trending down and a stable property market, now is a great time to consider unlocking equity in your existing property and investing in your future. In New Zealand’s […]
With housing stock levels up and interest rates falling, now just might be the time to take that leap and get yourself onto the property ladder. Buying your first home is an exciting milestone but navigating the mortgage process can be complex. To ensure you make informed decisions, it’s essential to understand common pitfalls and, […]
Applying for a mortgage can feel overwhelming, but with a bit of planning and preparation, you can present a strong case to lenders. A “perfect” loan application demonstrates not only your income but also responsible financial management and the ability to meet repayments comfortably. Whether you are applying for a mortgage for your first home, […]