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Henry Tongue

Henry Tongue

Know your cycles - a guide to Kiwisaver investing when interest rates are low

Posted in Kiwisaver on

Cyclists know a bit about making progress when the going gets tough. They know the extra effort it takes to muscle through a headwind, the zen-like calm it takes to climb a steep hill, and the importance of being on the right bike. They are all things KiwiSavers could learn from as they face the lowest point in the interest rate cycle ever, and hard going on the sharemarket. Their years of happy free-wheeling are over, and investment experts say it may be time for many to upgrade to a faster bike, and to start pedalling harder.

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Nicola Hines

Nicola Hines

David Boyle on the 'classes' of KiwiSaver

Posted in Kiwisaver on

If you are reading this and are one of the 2.5 million people already in KiwiSaver then you can feel pretty pleased with yourself. But not so fast: there are a few tips and tricks you may be missing out on that could give you an awful lot more to smile about. Most people fit into one of four types when it comes to their strategy for getting into KiwiSaver.

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Jeremy Thomas

Jeremy Thomas

KiwiSaver dip normal

Posted in Kiwisaver on

If the value of your account has gone down, the best thing to do is absolutely nothing, unless you really need the money immediately. While you have your money invested with a KiwiSaver provider, you are effectively holding units in that fund. You still own the same number of units, increasing all the time. Just right now they are worth a little less.

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Sam Gapes

Sam Gapes

How to get rich, slowly

Posted in Retirement, Savings on

People often ask billionaire investors like Warren Buffet for investment advice. He will ask them to forget about schemes to get rich quickly - his tips involve getting rich slowly. Learning to save is one of the most important pieces of advice he offers. It sounds simple. The tricky part for many people is putting the advice into practice.

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Sam Goldwater

Sam Goldwater

KiwiSaver falling? Don't panic

Posted in Kiwisaver on

If you've checked your KiwiSaver balance recently you could be feeling a bit down. Despite putting money into your fund it could be sitting at a lower level than at the end of last year. That's because share markets around the world have had a rough start to the year. But that's no reason to panic and switch your money to another fund or provider.

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Nicola Hines

Nicola Hines

Budget Buster: The curious case of the shrinking KiwiSaver balance

Posted in Kiwisaver, Savings on

Has anyone else's KiwiSaver balance been mysteriously going backwards lately? Despite faithful monthly contributions, mine's been shrinking faster than a The Biggest Loser contestant's waistline. It's not a great feeling watching your retirement savings melting away. But it's important not to panic before making any rash decisions.

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Henry Tongue

Henry Tongue

KiwiSaver fund choices leave money on the table

Posted in Kiwisaver on

Why have KiwiSaver investors received much lower returns, on average, than the New Zealand Superannuation Fund and Australia's Future Fund? Is this underperformance due to the choice of funds, asset allocation or fees?

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Ryan Edwards

Ryan Edwards

Market slumps happen

Posted on

We came accross this commentary from Fidelity International and found it to have some wise and timely words: There is a rich seam of wisdom about how to respond to market slumps. This points to two things. First, it says that market volatility is not unusual, it is a shared experience and therefore worth commenting on. Second, it suggests that most people do the wrong thing when the market falls – if people knew how to react there would be no point in the greats trying to put them right.

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Sam Goldwater

Sam Goldwater

Hanging in through market shift will pay off

Posted in Kiwisaver on

Black clouds set in over New Zealand and the UK with the markets down 2 to 3 per cent in 31 short days. Rain wet the Aussie summer with the All Ords off more than 4.5 per cent. A cyclone over Japan saw a 6 per cent fall in the Nikkei and snowstorms in both Europe and the US gave a 5 per cent tumble.

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Sam Gapes

Sam Gapes

Focus on the short term costs KiwiSavers Billions

Posted in Kiwisaver on

We stick with low-risk funds but gaily switch power firms. An analysis of the latest electricity and KiwiSaver transfer statistics confirms that New Zealanders have a short-term attitude to money. We transfer from one electricity provider to another to save a few hundred dollars, but we stick with low-risk KiwiSaver funds even though this may cost us tens of thousands of dollars in the longer term.

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