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8 Steps to Financial Freedom (Part 2)
Last week we looked at the first four steps you need to take if you want financial freedom; something that most Kiwis aspire to. They were: (1) Spend less than you earn; (2) Join a subsidised...
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Retiring Early
It wasn’t so long ago that most people had an expectation of retiring completely from the work force the day they became eligible for NZ Superannuation. These days, more people are choosing to reduce...
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Have Your Say on Retirement Income Policy
Baby boomers should by now be well aware that as they move towards and through retirement, they will place huge pressure on NZ Superannuation. Every three years, the Commission for Financial Literacy...
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How to be Financially Secure
Achieving financial security is an aim that most people aspire to. Worrying about money causes stress, loss of enjoyment of life, and is often linked to relationship problems. It goes without saying...
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The Pitfalls of Overseas Investments
It is not uncommon for New Zealanders to have overseas investments. Migration to New Zealand, working holidays overseas and inheritances can all lead to investment assets being held outside the...
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Property Investment for Retirees
Investing in property is a popular means of building wealth for retirement. Typically, keen property investors will build a portfolio of properties using borrowed funds in the expectation that the...
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Fighting over the Family Fortune
Sibling rivalry is common, but add to the mix the death of parents and a sizeable estate and you have a recipe for the destruction of family relationships. The baby boomer generation is very...
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KiwiSaver Options for Retirees
Confusion still reigns for KiwiSaver members reaching the age of 65 as to what to do with their KiwiSaver funds and whether to keep contributing. If you are over 65 and have been a member of KiwiSaver...
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The SKI Principle
Jokes about Spending the Kids’ Inheritance (SKI) abound, however when it comes to the crunch, many retirees find it difficult to watch their dollars slowly dwindle. Saving regularly over a period of...
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Get Ready for User Pays Retirement Care
If you have ever flown Economy Class on a long haul flight and looked with envy at the First Class passengers enjoying their extra leg room, fancy meals with real plates and cutlery and personalised...
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Retirement Planning for Second Time Couples
Retirement planning is complicated enough for any couple, but when there is a second time relationship involved, there are even more issues to consider. In many cases, for couples coming together later...
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Balancing your Assets
The measure of your wealth is the difference between the value of your assets and the amount of money you owe to others. Wealth is generally accumulated over your working life, reaching a peak around...
View ArticleSpending your Nest Egg
There comes a time in life when you have to flick the spend/save switch from saving to spending. If you have been careful with your money during your working life, it can be hard to spend and watch...
View ArticleWomen and Money
It is a fact of life that women face a higher level of financial risk during their lifetime than men. There are differences between men and women with regard to lifespan, lifestyles, income and...
View ArticleChecklist for Retirement
One of the strange things about life is that the older you get, the faster the years seem to go by. It pays to get your affairs in order at retirement so the rest of your life will be free of problems,...
View ArticleHow to Access a Cash Lump Sum in Retirement
Many of us worry about how we’re going to manage financially as we get older, and for some, the fear of asking their children for money is all too real. A recent newspaper report revealed that 1 in 6...
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