Mary Holm – which KiwiSaver scheme?
Mary Holm from the NZ Herald Business section (Saturday 13 February 2010) provided a step-by-step guide on how to choose the best KiwiSaver provider. It was from her book The Complete KiwiSaver. Read more.
Understanding KiwiSaver – example
Using an example, this article explains how KiwiSaver works for employees. Read more.
Buying your first home with KiwiSaver
If you have not owned a house or land before, KiwiSaver is a great way to help save for your first home. If you have owned a house before but do not now, and are in a similar financial position as a “first home buyer”, KiwiSaver may also be able to help you. This is referred to as a “second chance”. Read more.
Fees are important
This article discusses the significance of fees in the context of KiwiSaver. Read more.
KiwiSaver HomeStart Grant
This article provides details about Housing New Zealand's HomeStart Grant for KiwiSaver. Read more.
First home withdrawal
This article provides details about the KiwiSaver first home withdrawal 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.
Increase your KiwiSaver savings with government contribution
This article looks at how you can maximise the government's contributions. Read more.
KiwiSaver – understanding government contributions
This article explains the government contributions that are paid by the government into eligible accounts each year. Read more.
KiwiSaver – key features for employees and employers
Saving for retirement – the KiwiSaver way
One of the best ways to save for retirement is through KiwiSaver – this article explains why. Read more.
What's in it for me – $34,762
KiwiSaver – significant financial hardship application
If you experience significant financial hardship. This maximum withdrawal excludes the government paid money but includes the investment earnings on it. The government paid money must stay invested for retirement. Learn more.
KiwiSaver - permanent emigration withdrawal request
If you permanently emigrate. This withdrawal excludes the government contributions if you emigrate to a country other than Australia, which are paid back to the government, but includes the investment earnings on them. From 1 July 2013, special rules apply for transfers to Australia. Learn more.
KiwiSaver – serious illness withdrawal request
If you suffer serious illness. This withdrawal includes your full KiwiSaver Account savings. Learn more.
Understanding the annual KiwiSaver statement
The article explains the annual KiwiSaver statement. Read more.
Debt occurs because we spend more than we earn and borrow the shortfall. High debt levels occur when we spend more than we earn for a long period of time. Read more.
Living with investment risk
For the purposes of this article, we look at investment risk as the chance of losing all or some of your savings. We note that risk is more than simply losing some money, but avoiding the permanent loss of money is important. Read more.
Investing - it's time not timing
There is a saying about investing - ‘it’s time, not timing that is important’. You cannot get a good 10 year average return, if you are not invested in the markets for 10 years. Read more.
A stock picker's market
When you invest, shares have to be chosen. It is therefore always a stock picker's market. The key is getting the right basis to picking the stock. Read more.
The golden principles of investing
The principles for successful investing are the same as those of life in general. Read more.
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
Find out why a low cost, low turnover, highly diversified investment 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.
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 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.
This article looks at the impact that inflation can have on investments and investment returns. Read more.
Investing in retirement
This article discusses, through examples, how someone entering retirement might invest their savings. Read more.
Investing in shares should not be a gamble
When investing in the share market it is normally better to buy quality companies and hold them for the long term. Read more.
Allocation of investment earnings
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.
Superannuation & Retirement
Thinking about your retirement
Consider the investment aspects of retirement and how best to support your desired lifestyle. Read more.
Saving for your retirement
This guide helps you plan for your financial security in retirement. Find out how much you should save to achieve financial independence. Read more.
How long might I live for in retirement?
See how long you might expect to live in retirement. Read more.
When you reach retirement there are a few ways to convert your superannuation savings into an income. This article looks specifically at "managed incomes" and explains how they work. Read more.
Understanding NZ Super
New Zealand residents are entitled to receive NZ Super (the old age pension) if they satisfy the eligibility criteria. Read more.
Common rules for your retirement plan
Ten things to think about as you plan for retirement. Read more.
Benefit payment options
Under SuperLife, when you cease to be an employee member you automatically become an individual member. As an individual member you are entitled to take a benefit out of your account at any time. Read more.
SuperLife for Employers
7 ways to take advantage of SuperLife
There are many ways employers take advantage of SuperLife to meet their employee benefit and business needs. SuperLife is a vehicle that lets employers implement subsidised and unsubsidised superannuation, KiwiSaver and insurance employee benefits plans. Read more.
Cash is king?
In today's enviroment, the real value an employer can deliver to its employees is access to wholesale insurance and savings products, along with information and education so that they can become aware of the consequences of their decisions. Subsidising employees’ savings can only be justified if there is a clear business advantage. Read more.
Introducing a superannuation plan
This guide provides useful information for successfully introducing a superannuation plan in your workplace, including a step-by-step guide to launching a superannuation plan and a suggested benefit design. Read more.
Using examples, this article looks at the advantages for employers who adopt a flexible benefits remuneration philosophy. Read more.
Role of superannuation in a total cost environment
Central to any organisation’s people policies is the way it remunerates its employees. In the current environment, what should be the role of superannuation in the employer’s remuneration policy? Read more.
Superannuation – a general discussion
This paper discusses the general philosophy behind employment based superannuation together with the arguments for and against an employer providing employee benefits. It also looks at the general options available to an employer. Read more.
Introducing a funeral benefit
A benefit which targets the provision of a death cover of $10,000, $20,000 or $30,000 and promoted as funeral cover, is a cost effective way of providing a benefit that is often highly valued by employees. Read more.
Taxation - Retirement savings
This paper summarises the tax regime that applies to registered superannuation schemes in New Zealand and separately for approved KiwiSaver schemes. Read more.
Taxation - Employer contributions
This article discusses how the ESCT regime applies to employer contributions made to a superannuation scheme. Read more.
KiwiSaver – Minimum contribution rates
The minimum KiwiSaver employee and employer contribution rates increase from 2% to 3% on 1 April 2013. Read more.
KiwiSaver – A general guide for employers
This comprehensive guide that covers all of the things employers need to know about KiwiSaver including information about signing up new and existing employees, making contributions, KiwiSaver providers, employer compliance obligations and payroll issues. Read more.
KiwiSaver – Employee benefits made easy
In New Zealand, employers provide employee benefits through a combination of superannuation schemes and KiwiSaver and typically adopt approaches that fall into three groups: KiwiSaver compliance only, proactive KiwiSaver, or KiwiSaver and optional superannuation. Read more.
KiwiSaver – Exempt employers
This article provides details of exempt employers including the requirements for an alternative "exempt" scheme. Read more.
KiwiSaver – Key features for employees and employers
KiwiSaver – The impact on remuneration
This article discusses the impact of KiwiSaver on the principle of fairness and looks at how employers can overcome this by adopting a total remuneration strategy. Read more.
KiwiSaver – The superannuation component solution
This article summarises the alternative of introducing a superannuation component as part of the remuneration strategy. Read more.
KiwiSaver – Understanding employer contributions
This article looks at the exceptions to employer contributions that apply in respect of employees in pre-May 2007 superannuation arrangements. Read more.
Financial Health & Other Topics
Achieving financial success
The trick to getting ahead is not hoping to win Lotto, it’s about setting sensible long-term goals and learning to be successful along the way, by achieving a series of short-term goals. Read more.
Enduring power of attorney
This article explains the concept of an enduring power of attorney. 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 on your situation. Read more.
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.
No asset procedure
This article explains the No Asset Procedure for individuals in financial trouble as an alternative to bankruptcy. Read more.
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
Use this guide to work out your PIR. It also covers common questions such as "When should I review my PIR?" and "Does my PIE income affect my own tax returns?". Read more.
Why try to pick stocks when you can own the whole index? SuperLife lets you access the full range of Smartshares Exchange Traded Funds (ETFs).