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How insurance policies proctect your finances

In the realm of personal finance, your ability to earn an income stands as your most valuable asset. Your income enables you to maintain your lifestyle, support your family, invest in your future, and achieve your goals. However, life is unpredictable, and unexpected events can jeopardise your financial security. This is where insurance policies step in as a vital shield, providing you with the necessary protection to secure your assets and finances.Understanding Your Greatest Asset: YouYour abi...

Aussie Super to KiwiSaver?

The simple answer is yes, you can transfer your Australian Superannuation to KiwiSaver if you've permanently relocated to New Zealand. Thanks to the Trans-Tasman retirement savings portability scheme, an agreement between the Australian and New Zealand governments, you can move your Australian retirement savings to a New Zealand KiwiSaver account.Here's what you need to know:Eligibility and Requirements:This scheme applies to New Zealanders returning permanently from Australia and Australians ma...

EFS KiwiSaver Providers vs. Bank KiwiSaver Providers

Planning for retirement is a journey that requires careful consideration and informed decisions. KiwiSaver, while not always deemed essential, plays a vital role in securing your financial future. It's not just about having an account; it's about aligning yourself with the right provider and choosing a fund that suits your needs. Especially if you're under 50, being too conservative now could significantly impact your retirement savings in the long run.One concerning trend we've noticed is the m...

KiwiSaver and Financial Advice

According to the most recent KiwiSaver report, there are close to 3.2 million KiwiSaver members. Over 3 million of these members have made a choice regarding which fund and provider. The remaining members are still in a “default” scheme which means they have not chosen a provider or fund; in essence they may not have received advice or are aware advice exists. Engaging a financial adviser for your KiwiSaver needs offers several advantages.  Financial advisers offer numerou...

Unlocking the Power of KiwiSaver

KiwiSaver, New Zealand's retirement savings initiative, is your passport to a financially secure future. But with great power comes great responsibility, especially when it comes to choosing the right KiwiSaver fund. Fear not, as we simplify the world of KiwiSaver fund types and help you make an informed choice that suits your financial goals.The Basics: What is KiwiSaver?Before diving into the fund types, let's quickly recap what KiwiSaver is all about. KiwiSaver is a voluntary savings scheme d...

Four Pillars of Insurance

Life is unpredictable, and that's why having a safety net in place is crucial. Personal insurance is like a protective shield that ensures you and your loved ones are financially secure, no matter what life throws your way. To build a comprehensive safety net, it's essential to understand the four pillars of personal insurance. Let's dive into each pillar and explore why they matter for your peace of mind.1. Life Insurance: Protecting Your LegacyLife insurance forms the cornerstone of personal i...

Ensuring a lasting legacy

While thinking about your own mortality may seem pretty morbid, planning ahead can significantly alleviate uncertainties for your loved ones when you pass away. Not only does this bring peace of mind, but it also guides those close to you during a challenging time. Passing on without any clear legal instructions regarding your finances, assets, and estate can leave your nearest and dearest in a very difficult position. It's far better to make plans well in advance and to have these document...

Busting the Insurance Myths

Hey there, fellow Kiwis! Today, we're diving into the fascinating world of personal risk insurance, where we'll bust some of the most common misconceptions. When it comes to protecting ourselves and our loved ones, there's often a lot of confusion surrounding personal risk insurance. Let's tackle some of the most prevalent myths head-on and shed some light on why this type of insurance is essential for your financial well-being.1. "I'm young and healthy, so I don't need insurance!" 🤔Ah, ...