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 […]

AI has its place. It is a useful research assistant but shouldn’t be used as a decision maker – especially when it comes to financial advice.

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. […]

From 1 April 2026, KiwiSaver default employee and employer contribution rates rise from 3% to 3.5%. Here’s what’s changing, what your options are, and what to do next.

Here’s a smart way to make your NZ Super work harder If you’re over 65 and still working, you’ve probably started receiving your NZ Super payments. But have you considered what to do with it if you don’t actually need it for day-to-day living? One smart option could be to invest your NZ Super (or […]

If you’ve ever glanced at your KiwiSaver balance and wondered how you’re tracking against other Kiwis, you’re not alone. While personal circumstances vary, there are benchmarks based on national data that can help you gauge where you stand—and decide whether it’s time to step things up. Here’s what recent figures reveal, what they mean for […]

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 KiwiSaver fund selection matters.