Understanding the real costs of going without insurance cover and why self-insuring might cost more than you think… When you’re earning a good income, building assets and you feel in control of your finances, it’s natural to ask the question: “Do I still need this insurance?” We hear this sometimes from clients who are financially […]
How to Bridge the Retirement Savings Gap For New Zealand’s growing self-employed workforce (which is estimated to be more than 420,000 people, including tradies, contractors, healthcare workers, creative freelancers, consultants, and gig workers), the challenge of saving for retirement looks very different from that of employees. A new report from the Retirement Commission highlights that […]
Why The Lowest Rate Doesn’t Always Equal The Biggest Savings Over the past 12 months, the Official Cash Rate (OCR) in New Zealand has been steadily dropping. That’s good news for borrowers, because it’s flowed through to lower interest rates across most fixed terms. It means many households now have the opportunity to lock in […]
How a little extra can cut years off your loan and save you thousands in interest With interest rates having eased over the last 12-months, it’s understandable that many of us are wondering whether now’s the time to enjoy a bit of breathing room on repayments. But there’s a smarter opportunity worth considering. When your […]
A few things to consider about your personal insurances… There’s nothing quite like becoming a parent to make you think about the future! Whether you are planning your first child, you’re adjusting to life with a newborn, or navigating the juggle of multiple kids, it’s natural to start thinking about how to protect your family […]
Choosing a KiwiSaver fund is not a one-time decision. As your income grows, your financial goals evolve, and your stage of life changes, the fund you’re in should reflect that. While you might start off in a default fund when you first enrol, failing to review your fund choice can limit long-term growth or expose […]
We’re excited to announce that Jono and Penelope are the lucky winners of our latest ‘Win a Month’s Free Mortgage Repayments’ competition, for the April to June quarter! When we shared the news, their response said it all: “Wow! Thank you so, so much! We’ve been pushing hard to stay ahead, and with costs climbing, […]
Did you know that many New Zealanders are entitled to claim under their insurance policies and don’t even realise it? One of the most commonly overlooked benefits is the Accidental Injury clause (also known as a Specific Injury benefit) found in many mortgage or income protection policies – or available as a stand-alone benefit. Because […]
