If you’re in a solid financial position and have some extra money left over each month, you might be wondering: should I use it to pay down my mortgage faster, or invest it? It’s a great question, and the short answer is: it depends on your goals, financial situation, and how comfortable you are with […]
Category Archives: Learn
Why loan structure matters more than you think
When exploring mortgage options, it’s easy to focus on interest rates. A lower rate can mean lower repayments, but just as important is how your loan is structured. The structure of your mortgage can affect how much interest you pay over time, how easily it fits into your budget, and how flexible it is if […]
What does retirement look like for you?
When we hear the word “retirement,” many of us picture the same thing: finishing work at 65, claiming NZ Super, and enjoying a well-earned rest. But retirement today can look very different depending on your goals, lifestyle, and financial plans. That’s why planning for retirement isn’t just about reaching a number in your bank account […]
Do you need health insurance if you have public healthcare?
New Zealand’s public healthcare system provides essential medical services for eligible residents, including free hospital care for emergencies and serious conditions. But while it’s a solid foundation, it may not always meet every healthcare need — especially when it comes to timing, treatment options, or access to non-urgent care. That’s where private health insurance can […]
Riding the ups and downs: Making sense of market volatility
If you’ve been watching your investment or KiwiSaver balance and noticed it’s dipped recently, you’re not alone. Market ups and downs—also known as volatility—can feel unsettling, especially when the news is full of talk about inflation, interest rates, and global uncertainty. So what’s actually going on? And what should you do (or not do) when […]
Emergency funds and income protection: Your financial safety net
Life can throw unexpected challenges your way, and having a financial safety net in place can help you navigate these times with less financial stress. Combining an emergency fund with income protection insurance can be a solid strategy for safeguarding your financial wellbeing, offering both short- and long-term protection. Why an emergency fund is essential […]
How to give yourself a financial checkup
Regularly reviewing your financial situation is crucial for staying on top of your finances and working toward your long-term goals. A financial checkup helps you assess your current position, identify areas for improvement, and ensure you’re making the most of your money. By taking the time to review key aspects of your financial health, you […]
Smart ways to keep health cover costs down
Health insurance is an important part of financial security, helping to cover medical costs when needed. However, premiums can be a significant expense. While reducing costs is possible, it’s essential to ensure you’re not compromising necessary coverage. Here are some general strategies that may help lower health insurance premiums while maintaining adequate protection. Compare plans […]
Financial goals for couples: Building a strong future together
Setting financial goals is an empowering way to build a secure and thriving future together. When couples align their financial objectives, they not only lay a strong foundation for financial success but also enrich their relationship through trust, communication, and teamwork. Here’s how you and your partner can set and achieve financial goals that benefit […]
Demystifying: ‘Locking in your losses’
When markets fluctuate or asset prices fall, the common advice is to “stay put” to avoid locking in your losses. But what does that mean, and how can you make informed decisions during market volatility? Let’s break it down. What does ‘Locking in your losses’ mean? Market downturns can reduce the value of your investments—whether […]