Author: Clive Fernandes
Kiwisaver guidance
Starting KiwiSaver at 35 is feasible, but choose a provider with lower fees, consider a conservative investment approach for a home purchase in 3 year [...]
Should I Choose Kernell Or Simplicity for Kiwisaver?
You're making a proactive choice by exploring KiwiSaver providers like Kernel and Simplicity, known for lower fees. But remember, your decision should [...]
Ability to utilise KiwiSaver to pay down debt (if this was an option). Thoughts. Pros / Cons
Discover the Ins and Outs of KiwiSaver: Your Guide to Retirement Savings, First Home Purchases, and Financial Distress. Unravel the nuances of using K [...]
What Is The Best KiwiSaver Provider and Fund for me?
Opening a KiwiSaver account for future savings, including a house deposit, is wise. Tips: Choose a provider, align investments with goals, maximize co [...]
Generate/Kiwisaver advice?
When it comes to securing your financial future through KiwiSaver, the choice of fund can make all the difference. But navigating the world of KiwiSav [...]
Is KiwiSaver worth investing in?
KiwiSaver offers a cost-effective path to retirement savings in New Zealand. Choosing a provider based on fees, performance, and risk tolerance is cru [...]
Am I over complicating by investing in multiple funds?
Diversifying across multiple funds reduces risk by spreading assets across various strategies and asset classes. Even with the same provider, it can b [...]
Should I change my Kiwisaver Fund if I’m planning on buying a house within the next year?
For those planning to buy a house soon, consider switching to a conservative KiwiSaver fund like Simplicity's to minimize risk. Evaluate fees and tax [...]
Why do we only get 3% on kiwisaver ?
When it comes to retirement savings, the systems in New Zealand and Australia each have their unique purposes and design. KiwiSaver, introduced in New [...]
A super query
Your choice between keeping Australian super and KiwiSaver accounts separate or consolidating them depends on long-term plans. Consider tax implicatio [...]