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Commentaries
Educational resources
SuperLife publishes a range of educational articles and guides in the areas of:
Investments
Winning strategies
For an investor to be successful, they need to achieve their financial goals and have the confidence that they will. Read more...
Passive is best
For a manager to achieve above average returns, they must have above average skill or a lot of luck. If they have genuine skill, you would expect a pattern of returns where they consistently shine relative to other managers. The evidence is that this does not happen. The logical conclusion is that a low cost, low turnover, highly diversified approach, probably results in better outcomes for most investors. Read more...
Secrets of successful investors
Most successful investors adopt policies based on tried and true investment practices and principles. They do this consistently in both good times and bad times to avoid chasing returns and investing in what is currently “hot” . Read more...
SuperLife investment guide
Learn about the basics of investing including the different types of investment strategies and important investment considerations - perfect for first-time investors. Read more...
MCA - A guide to investing
This guide helps you work out how to invest your current assets and your future savings to achieve your financial goals. Read more...
Fees are important
This article discusses the significance of fees, in the context of KiwiSaver. Read more...
Investing in retirement
This article discusses, through examples, how someone entering retirement might invest their savings. Read more...
Managing your income in retirement
This article looks at "managed incomes" and explains how they work and why a SuperLife managed income is one of the best options in the context of the New Zealand market. Read more...
Cash, bonds or shares?
This article briefly discusses the advantages and disadvantages of cash, bonds and shares. Read more...
Understanding negative returns from bonds
This article looks at why we get negative returns from bonds, in particular the key factors of interest rate movements and investment term. Read more...
Understanding negative returns from shares
This article looks at how often should we expect a negative return over set periods of time based on historical data. It also looks at what we can expect in the future. Read more...
Will shares produce the highest returns long-term?
This article discusses why shares are likely to provide the highest returns long-term. Read more...
Understanding investment risk
The term risk means different things to different people. For many, it is something to be avoided. For others, it is an opportunity and and acceptable part of everyday life. Read more...
Understanding inflation
This article looks at the impact that inflation can have on investments and investment returns, particularly when it comes to saving for retirement. Read more...
Financial health
Family trusts
A general guide about family trusts. Read more...
Thinking about retirement
Consider the investment aspects of retirement and how best to support your desired lifestyle. Read more...
Retirement savings guide
Find out how much to save for your retirement. Read more...
How long might I live for in retirement?
See how long you might expect to live in retirement. Read more...
Paying off debt
This article discusses when to pay off debt, and when to save. It also covers basic practices around debt and mortgages as well as the impact that KiwiSaver can have in your situation. Read more...
Enduring power of attorney
This article explains the concept of an enduring power of attorney. Read more...
Wills
This article covers all you need to know about wills including why you should have a will, what is involved in creating a will, and what happens if you don't have a will. Read more...
KiwiSaver
KiwiSaver overview
This article examines the employee benefits of a combined superannuation and KiwiSaver scheme. Read more...
Employee benefits made easy
This article examines the employee benefits of a combined superannuation and KiwiSaver scheme. Read more...
Understanding KiwiSaver - example
Using an example, this article explains how KiwiSaver works for employees. Read more...
Understanding what you gain from KiwiSaver
This article looks at what employees can gain from KiwiSaver based on three income levels: $26,000, $40,000 and $52,150. Read more...
Saving for retirement - the KiwiSaver way
One of the best ways to save for retirement is through KiwiSaver - this article explains why. Read more...
The value of $1,000
See how the government's free $1,000 kick-start can grow over time. Read more...
KiwiSaver - key features for employees and employers
This article looks at the features of KiwiSaver as they apply to employees and employers. Read more...
What's in it for me - $34,762
This article looks at the benefits for people in KiwiSaver earning $34,762. See also:
- What's in it for me - $26,000
- What's in it for me - $62,400
- What's in it for me - self-employed
KiwiSaver - understanding member tax credits
This article explains the member tax credits (MTC's) that are paid by the government into eligible accounts each year. Read more...
Increase your KiwiSaver savings with MTC
This article looks at how you can maximise the government's member tax credits (MTC's). Read more...
Buying your first home with KiwiSaver
This article looks at the rules for the KiwiSaver first home withdrawal and the Housing New Zealand first home deposit subsidy. Read more...
First home withdrawal
This article provides more detail about the KiwiSaver rules for taking money out of your KiwiSaver Account, to help you buy your first home (known as a first home withdrawal). Read more...
First home subsidy
This article provides more detail about Housing New Zealand's first home subsidy including eligibility and rules. Read more...
Guardianship for children under KiwiSaver
This article covers the basics about guardianship including its role in signing up children to KiwiSaver and the different types of guardians. Read more...
Insurance
Working out insurance costs
This article provides examples and tools to help you work out what your insurance costs may be - you will need to ask SuperLife for a list of their current insurance rates. Read more...
How much life insurance do I need?
This article covers the basics of life insurance and provides a comprehensive tool to help you work out your life insurance needs. Read more...
Miscellaneous
Payments on death under $15,000
An article explaining what happens with benefit payments when a person dies intestate (without a will) or has not nominated beneficiaries. Read more...
PIR tax rate guide
This document explains what PIRs are and provides a useful step-by-step guide to work out your PIR rate. Read more...
No asset procedure
This article explains the No Asset Procedure for individuals in financial trouble as an alternative to bankruptcy. Read more...
