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Insights, tips & trends to grow your wealth

We’re committed to helping people understand their finances and make the most of their money. Our video resources offer simple tips, practical advice, and helpful guidance to help you take control of your financial future with confidence.

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Why rising fuel prices are starting to hit more than just the pump

Fuel prices have been climbing again, and while the most obvious impact is at the petrol station, the flow-on effects are starting to reach much further. Recent global events, particularly conflict in the Middle East, have pushed oil prices higher, creating pressure across supply chains and everyday costs in New Zealand. What’s driving the increase? […]

Making sense of recent market movements

Recent weeks have brought a sharp increase in global uncertainty. Conflict in the Middle East has escalated, oil prices have moved higher, and investors have been reassessing what this could mean for inflation, interest rates, and economic growth. As a result, markets have become more volatile and headlines have become more dramatic. That does not […]

The difference between retiring from work and retiring from income

When people talk about retirement, they often describe it as the day they stop working. In reality, retirement planning is less about stepping away from a job and more about replacing income in a sustainable way. Stopping work is a lifestyle decision. Replacing income is a financial structure decision. The two are related, but they […]

Health insurance costs under pressure in 2026

New Zealand’s private health insurance market is facing continued cost pressure, with medical inflation forecast to remain well above global averages. According to Aon’s 2026 Global Medical Trend Rates Report, medical plan costs in New Zealand are projected to increase by 18% in 2026, up from an estimated 17% in 2025. By comparison, the global […]

What flexibility in a mortgage means in practice

When people talk about wanting a “flexible” mortgage, they’re usually not thinking about technical loan features. They’re thinking about how their mortgage will cope if income changes, expenses pop up, or plans shift over time. Mortgage flexibility isn’t one specific thing. It’s a mix of features that can make it easier to adjust a loan […]

Why early-year financial pressure feels heavier for many households

For many households, financial pressure can feel particularly noticeable in the early months of the year. Even after the holiday period has passed, a combination of seasonal expenses and ongoing cost-of-living pressures can place strain on household budgets. Recent research and reporting suggest that despite easing interest rates, many New Zealanders continue to feel stressed […]

How to set financial goals you’ll actually stick to

Many of us find it easy to set financial goals, but sticking to them is a different story. Life gets busy, priorities change, and unexpected expenses can crop up. With a bit of structure and the right support, your goals can feel much more achievable. Here are some practical steps to help you build momentum […]

Why January is a good time to review your financial plan

With the Christmas period behind us and the new year freshly underway, there’s often a quiet sense of “let’s do this properly this year.” With fresh budgets and new goals in mind, it’s a great time to step back and take a look at your financial plan. You don’t need everything figured out. Even a […]

Latest Reserve Bank decision: OCR cut to 2.25%

The Reserve Bank of New Zealand has reduced the Official Cash Rate (OCR) by 25 basis points to 2.25%, continuing the gradual easing cycle that began in 2024. This latest decision reflects growing confidence that inflation is easing, while the wider economy is still in the early stages of recovery. At the same time, the […]

Quick money wins for 2026

A new year brings the chance to reset, refocus and make a few simple improvements that can have a lasting impact. When it comes to your finances, even small steps can make a real difference. Here are some easy wins to help you start 2026 on the right foot. 1. Check your automatic payments and […]

Understanding what’s behind rising health insurance costs

Health insurance premiums have been increasing this year, a trend that’s made headlines and prompted questions from policyholders. While the numbers can sound confronting, the underlying reasons tell a more balanced story. Higher costs don’t just reflect inflation; they also show more people using their cover, accessing treatment sooner, and relying on private healthcare to […]

LVR rules are loosening: What does this mean for borrowers?

The Reserve Bank has recently announced changes to New Zealand’s loan-to-value ratio (LVR) restrictions: the rules that limit how much low-deposit lending banks can do. These adjustments are intended to give lenders a little more flexibility, particularly for first-home buyers and others who’ve been working hard to save. But they don’t mean the lending floodgates […]

Turning pre-approval into property-buying power

When you’re in the market for a home, having a pre-approval can be a great advantage. It means you know how much you can borrow and gives you a sense of what properties to look at. While some people see pre-approval as just a box to tick, used strategically it can be a genuine advantage […]

Time horizon: matching your money to your goals

When it comes to investing, it’s not just what you invest in that matters, it’s also how long you plan to invest for. That length of time is called your investment time horizon, and it plays a big role in shaping the right approach. What it means Your time horizon is simply the period between […]

Mortgage repayments: weekly, fortnightly or monthly?

When setting up your mortgage, one of the key decisions is how often to make your repayments. The right choice can affect how quickly you pay off your loan, how much interest you could save, and how well your mortgage fits into your household budget. Here’s what to consider. Weekly repayments If you’re paid weekly, […]

Health insurance for kids: what to consider

In New Zealand, we’re fortunate to have a generally strong public health system. Emergency care is free and of a high standard. If your child needs urgent treatment, they’ll be looked after. Children under 14 are also entitled to free GP visits, free prescriptions, and funded routine vaccinations. But when it comes to non-urgent care […]

Should you consider refinancing your fixed mortgage early?

If you’re on a fixed-term mortgage, you may have noticed lower rates starting to pop up in the market, and be wondering whether it’s worth breaking your current loan to refinance. It’s a fair question, especially when mortgage repayments often make up a big chunk of the household budget. So, is it worth exploring? Here’s […]

Are your financial habits still serving you in 2025?

With household costs like food, rent, and power still running high, it’s easy for small financial shifts to slip under the radar. You might not notice them at first: a slightly higher food shopping bill, a new streaming subscription, or petrol that never quite stretches as far. But over time, these changes can reshape your […]

What’s your retirement number and how do you turn it into a plan?

You’ve probably seen headlines about needing a fortune to retire comfortably. While it’s useful to have a target in mind, the real question is: how will you turn your savings into a reliable income that lasts? It’s about more than just a number There’s no single amount that works for everyone. Your retirement plan needs […]

Understanding revolving credit: Is it worth exploring?

When it comes to home loans, many people might be familiar with standard principal and interest repayments. But there are other ways to structure your borrowing, and one option you may have heard of is a revolving credit facility. Revolving credit isn’t right for everyone, but in some situations it can offer flexibility and potential […]

Should you pay off your mortgage faster or invest the extra money?

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 […]

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 […]

10 simple financial habits for a healthier financial future

A healthy financial future starts with small, consistent actions. By developing positive habits, you can create a strong foundation for long-term financial success. Here are ten simple habits to adopt that can make a meaningful difference. Set clear financial goals The first step is to clearly identify what you want to achieve. Whether it’s saving […]

Money lessons from 2024 to take into 2025

There’s nothing like seeing the calendar switch over into a new year to focus your mind on the lessons learnt from the previous 12 months. You might be thinking about what you achieved, what went well and what could have been better. And if you’re setting some goals for 2025, the experience of 2024 may […]

2024 in review: Key economic lessons to take into 2025

2024 was a tumultuous year for many people. While there were bright spots – such as inflation falling back within the Reserve Bank’s target band, and interest rates coming down – tough economic times persisted. Unemployment steadily rose through the year, retail spending took a hit but lifted 0.6 percent in October, and there were […]

New year, new goals

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 […]

Navigating personal insurance with an adviser

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

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 […]

Your mid-year financial health check

As we reach the midpoint of 2024, it’s an opportune time to take stock of your financial health. With the ongoing challenges of the rising cost of living, it’s essential to ensure that your financial plans and protections are still robust and effective. Here are four key areas to focus on for your mid-year financial […]

What’s involved in creating a comprehensive retirement plan?

Creating a comprehensive retirement plan is an important step in working towards financial security in your later years. A well-structured plan addresses aspects of your financial life, aligning them with your retirement goals. Here’s what’s involved in crafting a retirement plan. Assessing your financial situation The first step is to understand your current financial standing. […]

Investment fundamentals for financial success

Whether you’re just beginning your investment journey or seeking to refine your strategy, grasping the fundamentals of investing can help pave the way for a successful financial future. Let’s delve into some of the core investment fundamentals that can guide you towards achieving your long-term financial goals. Clear objectives Before diving into investing, it’s essential […]

Health and trauma insurance: What’s the difference?

You’re likely familiar with health insurance, and you might have come across trauma insurance as well. But are you aware of the differences between the two? Both are designed to provide support during times of illness, but they operate in different ways. Depending on your circumstances, having both could be advantageous. So, let’s delve into […]

Financial independence: Achieving personal and professional goals

Financial independence is a key life goal for many of us. What exactly the term means can vary a bit, depending on your own interpretation. But generally, it relates to having enough assets and other financial resources that you no longer need to rely on working for your income. Sound like a dream? It doesn’t […]

How the economy affects home loan rates

Covid-19 and the economic recovery from lockdowns gave many people a sharp reminder of how the wider economy can affect home loan interest rates. In the space of 18 months, we saw home loan rates shoot up from record lows of less than 2.5% to nearer 7%. But how does the wider economy affect mortgage […]

KiwiSaver strategies for self-employed

KiwiSaver isn’t just for people who are working as PAYE employees. If you’re self-employed, you can still make use of the scheme, and leverage it to help you reach your investment goals. Is it time to check in? Here are some points to think about. How much you contribute How much you contribute to your […]

Why you may need a personal financial plan

Money – it’s a tool that allows us to live comfortably, pursue our dreams, and secure our future. However, managing it can feel overwhelming. That’s where a personal financial plan comes into play. Think of it as a roadmap, directing you on how to handle your finances to achieve your financial goals. Here are some […]

Investment strategies for different life stages

Investment strategies for different life stages

When was the last time you checked in on your investment strategy? If it’s been a while, now might be a good opportunity to put a little time aside to make sure your settings are still appropriate. What works for an investor will change over the course of their life, and it’s important not to […]

Do you need mortgage protection insurance?

What would happen if, due to unforeseen circumstances, you found yourself unable to meet your mortgage repayments? Enter the realm of mortgage protection insurance—a cover designed specifically to offer that peace of mind. Here’s what it is, how it operates, and when it can come in handy. How does it work? At its core, mortgage […]

Economists bring forward cash rate cut forecasts

The Reserve Bank has stuck to its line in recent months that the official cash rate (OCR) is on hold at 5.5%, and will probably be there for quite some time. Its own forecasts predict that the rate won’t start to move until next year. But an increasing number of economists say that the central […]

Keys to homeownership in 2024

The new year is upon us, and for aspiring homeowners, 2024 could be the year you take the first step onto the ladder. As the property market continues to evolve, navigating the path to homeownership requires strategic planning and informed decision-making. This guide serves as a roadmap for first-time homebuyers in 2024, offering valuable insights […]

Achieving financial success in 2024

As we step into a new year, many of us set ambitious resolutions, and some of these goals might be the desire to achieve financial success. Whether it’s paying off debt, building an emergency fund, or diversifying your investments – reaching financial goals often requires planning and a strategic approach. So, let’s explore some practical […]

How to build financial resilience on a budget

Are you living on a budget? Creating financial resilience may seem like a daunting task. When you’re so focused on covering your daily expenses, it can be easy to put your financial future on the backburner. But here’s the thing: building a strong financial foundation isn’t exclusive to those with substantial incomes. It’s about making […]

The power of daily chats for boosting wellbeing

In a world where stress levels are skyrocketing, and loneliness is on the rise, it’s all-the-more important to take care of our mental and emotional well-being. Not quite sure where to start? A recent study from the University of Kansas offers a simple yet effective solution: engage in daily face-to-face conversations with friends and colleagues. […]

Balancing work, life, and finances

Like to find a better balance among work, life, and finances? You may find some good tips here – including how to set boundaries and prioritise self-care in every area of your life. Set boundaries Boundaries are essential for maintaining a healthy balance between work and personal life. Establish clear boundaries by setting specific work […]

How to choose health insurance

Depending on your situation, health insurance can be a proactive tool for your physical and financial well-being. Here in New Zealand, we can rely on a solid public system, but there can still be significant waiting times for certain treatments. Having appropriate health cover can ensure more immediate care, providing peace of mind. But with […]

Mortgage advice: Not just for first-home buyers

Many people associate the need for a mortgage adviser with the purchase of their first home. However, the value of professional mortgage advice extends beyond this initial buying experience. Whether you’re considering upgrading to a larger property, downsizing to a smaller one, or expanding your investment portfolio, we can provide crucial guidance at every stage. […]

Changing KiwiSaver providers or switching funds?

KiwiSaver is an integral part of Kiwis’ retirement planning. And perhaps, over the years, you might have contemplated whether you’re with the right provider for your needs. While there’s no obligation to switch, understanding the process and the factors to consider can empower you to make an informed decision. Switching providers vs switching funds It’s […]

What to do when a loved one is caught in an investment scam

In light of the surge in investment scams, the Financial Markets Authority (FMA) recently asked clinical psychologist Nigel Latta to share some tips on how to help those who may have fallen victim to these scams. It’s important to note that scams are becoming more and more sophisticated, and even the most astute and savvy […]

Building financial wisdom: money lessons for kids (and you!)

Financial literacy isn’t just for adults; learn early in life, it can benefit your children now and in the future. Of course, each parent’s approach may vary, but the following five ‘money lessons’ are a good place to start. Set a good example As role models for our children, it’s important to practise what we […]

Financial freedom or financial independence: what’s the difference?

Financial freedom or financial independence: what’s the difference?

Think about your financial goals for a minute. If you were asked what you’re aiming for, what your investments are building towards or what your big goals are, what would you say? For many people, the answer is “financial independence”. They’re aiming for a life in which they don’t have to rely on anyone else […]

How to keep your insurance budget-friendly

The cost of living has been top-of-mind for many New Zealand households over the past year. As prices have crept up, you might have spent some time looking at your budget, and working out what expenses you might be able to trim. As you probably already know, insurance is the type of thing that can […]

Do you have different money personalities? Here’s how to cope

There are lots of things for couples to fight about. Who chucks the wet towels on the bed and forgets about them, who never empties the dishwasher… But while most minor gripes are relatively easy to resolve, fights about money can be another question altogether. Finances – and how you deal with them – are […]

How long should you fix your mortgage for?

Managing a mortgage can feel like a big responsibility. It’s often the most significant debt that people have in their lives and one of the biggest payments they make each month. But with so many options, how can you know the best way to structure it? Should you float, fix for a short term or […]

Eleven things it’s worth spending money on

We usually focus on all the ways to save money, but the reality is, sometimes it’s worth splashing out. Here are eleven things that it’s worth spending your money on. Your health Skimping on things like doctor’s appointments and eye checks can be a false economy. Stay on top of your appointments so that […]

New year, new Insurance policies? Nine signs to watch out for

The beginning of a new calendar year is a great time to hit the ‘reset’ button and start with a blank slate. With a fresh list of new year’s resolutions in hand, and perhaps a new exercise regimen ready to go, do you need to make changes to your insurance cover too? Here are nine signs […]

How to boost your financial life in one week, one month and one year

We often overestimate what we can achieve in a short period of time, but dramatically underestimate what we can do in a longer one. And if you need to make changes to your money life, it might not be as drawn-out a process as you expect. Here’s what you could realistically expect to change about […]

Three New Year’s resolutions for your mortgage

New year, new approach to your mortgage? If you’re in a planning mood, you might be thinking about one of the most significant financial obligations in your life – your home loan. Here are a few New Year’s resolutions to consider making to really make a difference to your financial future in 2020. Squeeze out […]

Your last-minute Christmas gift survival guide

So, it happened again. Last year, you swore that you’d never, ever leave Christmas shopping to the last minute, then life got in the way and there you are again – caught up in the procrastination trap, with a handful of names still to cross off your Santa’s list. Don’t worry, it can happen to […]

Insurance through the decades – here’s how your needs can change

Throughout our lives, we go through a number of changes. And along the way, our Insurance needs change too. So here’s a guide to the most common Insurance types at every life stage. 20s You’re young – why would you need insurance? The reality is, there may be quite a few reasons. This a period of your […]

Should you pay off debt first or save for a deposit?

Looking to buy your first home? It’s important to make your mortgage application as competitive as possible. Having the least amount of debt possible is a way to increase your borrowing capacity. But when you’re also saving for a deposit at the same time, paying off your debt can be challenging. You may have left […]

Five smart strategies to get mortgage-free faster

Your mortgage is probably one of the biggest financial commitments you’ll have in your life. And with significant interest costs accruing over time, it makes sense to get rid of it sooner rather than later. There are a few ways to do this – none of which relies on a winning Lotto ticket. Increase your repayments One […]

When do you need a Personal Insurance check-up?

Thinking about your Insurance may not be high on your list of priorities. But if you’d like to make sure that your cover is still the best fit for you – and will protect you at claim time – it’s important to do a regular check-up. Here’s when is a good time to schedule a chat with […]