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Nicola Hines

Nicola Hines

Many KiwiSavers want to use it for a house, not a nest egg

Posted in Kiwisaver on

Most young KiwiSaver members are planning to use the savings scheme to get into a first house, not provide for their retirements. But many lack basic information about their investments.

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Sam Goldwater

Sam Goldwater

2018 Roadshow Presentation

Posted in Kiwisaver, Retirement, Savings on

Active v Passive? Platinum International Fund has returned 13% p.a. since inception which is close to double what global markets have offered over that 23 year time period. They are one of Generate's underlying fund managers and here is a great presentation from them.

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Henry Tongue

Henry Tongue

Should teens learn essential life skills at school?

Posted in Kiwisaver, Retirement, Savings on

English, Biology Statistics and everything in between are still obviously essential school subjects. But Erin Reilly thinks a Life class is essential too – one that should be compulsory. In this class, students could learn how to be safe (and kind) on the internet, including how to identify fake news and read critically. It would dive right into money management; not simply budgeting, but making money work for them including spending well, saving, investing, giving, Kiwisaver and retirement, buying a house.

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New Zealand has one of least generous pensions: OECD report

Posted in Kiwisaver, Retirement, Savings on

Retirees in the Netherlands receive more than 100 per cent of their country's average working wage but Kiwi superannuitants get just 43 per cent - ranking it 6th worst equal with Australia. But it could be worse.

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Carl Pheasant

Carl Pheasant

Rather than focusing on the flaws of individuals, governments might do better to explore their own behavioural biases towards retirement savings

Posted in Kiwisaver, Retirement on

There is no shortage of opinion pieces or expert commentary making the case that Kiwis are financially illiterate. Apparently we’re not good with savings, we don’t plan for the future, and we do not take even simple actions (like switching out of our default KiwiSaver funds) to optimise our future financial security. But are individuals wholly to blame?

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Sam Gapes

Sam Gapes

Six moves to boost your KiwiSaver balance

Posted in Kiwisaver on

It can be difficult making decisions for the future when many of us have the day-to-day pressures of the here and now, but boosting your KiwiSaver fund does not have to cost money. Canstar looks at six ways to improve your balance without throwing money down the drain on fees.

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Nicola Hines

Nicola Hines

Diana Clement: The mistakes you're making with KiwiSaver

Posted in Kiwisaver on

It's human nature to ignore something that is only going to happen decades in the future. As a result New Zealanders are making mistakes with their KiwiSaver funds. Even a $5 or $10 weekly payment will grow over time into a decent-sized financial bonus in your retirement.

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Weini Winslow

Weini Winslow

Don't panic, but your KiwiSaver has gone down

Posted in Kiwisaver on

It's satisfying watching your KiwiSaver climb higher every day. You can even get it attached to your bank accounts, so that you can keep an eye on it as part of your daily banking. You watch your nest egg increase in value, secure in the knowledge you're planning for your retirement and looking after your future. Except watching it so closely can be a terrible idea. Especially if the recent sharemarket jitters have made you nervous.

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Henry Tongue

Henry Tongue

Plague of financial insecurity, and those unwilling to be victims to it

Posted in Retirement, Savings on

Eight in 10 people believed it was "up to them" to pay for their retirement, Mercer reported in a global survey on "The New Imperative for Financial Security". Half of people surveyed believed they were solely responsible, believing governments would not be able to pay living pensions as populations in the developed world aged. And Mercer found what appeared to be a willingness by the majority of people to do more to give themselves a rosier financial future.

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Sam Gapes

Sam Gapes

Understanding the highs and lows of KiwiSaver investing

Posted in Kiwisaver on

Veteran economist John Carran is unruffled by jitters in global stockmarkets. There is nothing especially abnormal about a drop of five per cent in a sharemarket, he says. Markets move "up by the stairs" with occasional "sharp corrections".

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