Have a plan
It's important to have goals and objectives to serve as a roadmap to your final outcome. These tools can help you.
Diversify your investments
Don’t put all your eggs into one basket. Invest regularly into the markets via KiwiSaver, managed funds and other products to give you greater diversification, depending on your risk profile and time frame.
Break up your investments into
3 buckets
-
Bucket 1 the money you need to live on and enjoy your current lifestyle. This needs to be in mainly capital safe investments so it can used to top up your superannuation payments.
-
Bucket 2 helps fill up bucket one. Could be invested for five to ten years, with some in growth assets.
-
Bucket 3 fills up bucket two. May be 10-plus years before you need the cash, which allows you to invest in even more growth assets, like shares and property. This helps keep the buying power of your savings there when you need them.
Invest time (and money) with a qualified financial planner.
It’s never too late to start saving for that next chapter in life. Even saving a little more now might just make the difference between a good outcome or having to make some much harder decisions about your next chapter when you stop work.
Learn More
The Big Draw Down: The products and policies we need for the retirement boom
Between the cost-of-living crisis, uncertain future tax policy, persistent high inflation, and the m…
Read article
Succession Planning: How to plan a tidy, timely exit
As published in: The Post, Waikato Times, The Press
Aotearoa New Zealand is indisputably a nati…
The bird in the hand or two in the bush?
August 2021 marked the start of an almost four-month lockdown for Auckland – none of us would wish t…
Read articleParents it’s time to have the ‘S’ talk with your children
I know the title is a little clickbait, and apologies for that, but now I’ve got your attention, fin…
Read articleWhy ‘now risk’ and ‘later risk’ is important to understand when investing
Risk is something we all live with no matter our age and stage in life. Ultimately, we choose how mu…
Read articleAre Kiwis recession-ready?
The last material recession in New Zealand was in 2008. Interestingly, going by the Reserve Bank of …
Read articleIt’s like Christmas – you know retirement is coming so how do you prepare for it?
Looking back, when I was a kid my parents got me involved in a large number of activities after scho…
Read articleKiwiSaver’s Achilles heel impacting Kiwis’ retirement
For those who knew me at high school, it would be fair to say I was never up for the yearly academic…
Read articleSpotify vs KiwiSaver
Two streaming services that have far different outcomes for your financial wellbeing.
For those …
What’s your number?
It’s getting pretty close to BBQ season which is one of the best times for me. Sitting outside with …
Read articleSage advice only gets better with age
Stuff your dad (or in this case my mum) would say
It was pretty much a year ago to the day that my …
Is your employer paying their way for your retirement?
I started work at the Post Office Savings bank back in 1982 much to the relief of my parents. It w…
Read articleA long-term solution for a short-term emergency - Taking the NZ Income Scheme to all Kiwi’s
In 1986 I bought a Fiat 124 Sport 1800 coupe. As I signed the ownership papers, my dad’s words were …
Read articleHow to invest in a VUCA World
I have never been a fan of social media. And yes, I can hear the sniggers from my friends and peers,…
Read articleWhat happens when you get that unexpected pot of gold?
Hundreds of columns are written every year about how to get in control of your money, but what happe…
Read articleFinding Financial Freedom - Is it Nirvana or just another fairytale
Financial wellbeing leads to greater overall wellbeing. I think we all know this, but not everyone k…
Read articleDon’t give up give up on buying your first home just yet
In August 1987 ‘I still haven’t found what I’m looking for’, by U2, was number 1 in the charts, Te R…
Read articleHow do we improve the retirement gap for women?
It’s a fact that when I was at school woodwork was not my forte. What made things worse, my father w…
Read article
Rebecca’s top tips on growing financially resilient kids
“Money & You: The Lost Generation?” was the name of the report released from the financial Service C…
Read article
Money Talks Challenge
The Financial Services Council has launched a campaign called It Starts With Action to help raise aw…
Read articleThe Good, the Bad and the Ugly – the difference between good debt and bad debt
Ask your dad if he remembers The Good, The Bad and The Ugly. I do, my Dad took me to see it at the …
Read articleLet’s talk about money
Guest writer for Mint Asset Management is Aga Krzeczkowska. Aga is a Senior Financial Adviser with 1…
Read articleStuff your dad would tell you: How to get your financial life on track
OPINION: There are times that it doesn’t matter how right your parents are about something, they are…
Read articleGet our monthly newsletter
