As the new year approaches, you may be thinking about setting some resolutions. But what if this year, you revamped your approach to goal setting? What if, instead of aiming for the sort of targets you imagine other people might think are worthy, you prioritised what you want most – and what might have the […]
Author Archives: Kieran
Navigating personal insurance with an adviser
When it comes to protecting your financial future, personal insurance plays a vital role. Whether it’s health, life, income protection, or trauma cover, the right cover can provide security and peace of mind. Sometimes, understanding which policies are right for you can be complex, which is where having an insurance adviser by your side can […]
Ethical KiwiSaver funds: Aligning your values
In recent years, it’s become increasingly common for investors to seek out investments that align with their personal beliefs and world view. For many KiwiSaver members, that has meant opting for KiwiSaver funds that are a good fit with their ethical goals, as well as their financial ones. So what do you need to know […]
The pros and cons of bridging finance
In an ideal world, when you’re moving from one house to the next, you might like to have the sale of your existing home sorted before you finalise the purchase of your next one. But things don’t always go according to plan. Bridging finance can sometimes be a solution in situations where transactions don’t quite […]
The importance of income protection insurance
Why should you consider income protection? Well, let’s start with this: New Zealand’s standard paid sick leave is ten days per year, after you have been employed by your employer for six months, accumulating to a maximum of 20 days in two years. So, how would you cope financially if illness or injury prevented you from […]
Can you get a home loan if you’re self-employed?
If you’re self-employed and thinking about applying for a home loan, you may be wondering where to start. A lot of the advice for house buyers tends to focus on people who can produce a pay slip from their employer to prove their income. But if you’re your own employer, what can you do? The […]
Reserve Bank’s cutting cycle begin
The Reserve Bank cut the official cash rate a full year earlier than it had previously forecast, taking the rate down to 5.25 percent in its August update. It said inflation was returning to the 1 percent to 3 percent target band, and the monetary policy committee had noted that weakening in the New Zealand […]
What homeowners need to know about the OCR
The official cash rate (OCR) is an important monetary policy tool for achieving and maintaining price stability in our economy. The OCR is the interest rate at which banks borrow money from the Reserve Bank. The Reserve Bank of New Zealand (RBNZ) reviews and may change the OCR seven times each year. Any changes in […]
The benefits of reviewing your investment portfolio
Investment strategies can take a lot of effort to implement effectively. Even if you have made well-researched and well-diversified investments with clear-cut goals, it’s important to regularly review your portfolio to ensure it stays on track with your financial goals. Keeping your portfolio on track Markets are always prone to change, and your personal circumstances […]
Understanding insurance options for cancer
Cancer might feel like a distant concern for some, but for many New Zealanders, it becomes a reality. While New Zealand’s public healthcare system provides essential cancer treatment, it may have limitations in terms of longer waiting times, access to certain treatments in private facilities, and choice of specialist healthcare providers. To safeguard your financial […]