Continuing our monthly series on the people behind Threefold, this month we’re introducing Matt Bowden, Head of Threefold Protect, and a great person to have in your corner if a personal insurance claim gets complicated. Matt has spent 26 years in financial services, 14 of them working directly as an insurance adviser, and he’s accredited […]
Keeping Both Partners’ Retirement Savings on Track When a couple decides one parent will step back from paid work to care for children, most of the planning conversation is about the household budget. What happens to the mortgage repayments. How to manage on one income. What childcare will cost later on. One thing that rarely […]
30 years of experience, now focused on your KiwiSaver This month we’re kicking off a new regular feature, introducing you to the advisers behind Threefold. First up is Sharon McAlister, who has recently moved into our KiwiSaver team after a long career across mortgages and insurance. Sharon brings more than three decades of financial services […]
What to know, what’s on offer, and… what cover you might already have. Typically, you insure your car, house and income without a second thought. However, insuring your children can feel different, harder to think about, and easy to put off. Yet it’s worth understanding why insuring your children can be worthwhile, what is available, […]
If you’ve ever chosen a KiwiSaver fund based on your age or how far off retirement or purchasing your first home you are, you’ve made a sound first decision. Growth funds through your accumulating years, moving toward balanced and conservative as you near key milestones: that guidance holds true and remains the right starting point. […]
Many New Zealanders don’t realise their existing life, trauma, or TPD insurance policy includes a special event benefit – a feature that allows you to increase your cover after major life events like having a baby, getting married, or taking out a larger mortgage, without any new medical underwriting. This matters most if your health has changed since you first took out cover, as a fresh application could mean higher premiums, exclusions, or declined cover. Threefold’s insurance team explains how special event clauses work, which life events qualify, and how to make sure you don’t miss the window to use them.
Thinking about upsizing but unsure whether now is the right time? In a flat or softly declining property market, the maths can actually work in an upsizer’s favour – because the dollar saving on a more expensive purchase is typically larger than the reduction in your sale price. Threefold breaks down how the numbers work in New Zealand’s current market, what buyers need to know about negotiating power and mortgage readiness, and why being financially prepared matters more than timing the market perfectly.
