Investment
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Investment Advice
Stocks, ETF’s, Crypto & Commodities
Most people are aware of stocks and shares which give individual exercise to just 1 company. Exchange Traded Funds offer a simple way to gain a wide exposure to securities markets with flexibility and low fees. ETFs can be bought and sold on stock exchanges like regular shares. ETFs typically contain a portfolio of securities designed to track specific indices, such as the biggest 10 or 20 listed companies on the New Zealand (NZX), Australian (ASX) and US (NYSE) stock exchanges. There are also commodity based ETF’s and industry specific ETF’s available.
Investment Advice
KiwiSaver
You should consider retirement saving through KiwiSaver for several compelling reasons, the major one being what other retirement plan do you have? Most have nothing else so do you think you can live on the pension of between $19,240 to $26,000 (depending on your tax code) as a single person per year when you no longer work? Or from $29,250 to $41,756 per year as a couple?
Benefits of KiwiSaver
Government Contributions: The Government contributes to KiwiSaver accounts through the Member Tax Credit, which gifts you $521 a year if you contribute over $1043 pa. This effectively boosts the amount saved for retirement.
Employer Contributions: Many employers are required to contribute to their employees’ KiwiSaver accounts, typically at least 3% of their salary. This adds to the overall savings and helps individuals build a more substantial retirement fund.
Long-Term Savings: KiwiSaver is designed specifically for retirement savings, encouraging individuals to set aside money for their future. The structure of the scheme helps instill a savings habit and promotes financial security in retirement.
Investment Growth: Contributions to KiwiSaver are invested in various funds, allowing the savings to grow over time. Depending on the chosen fund, this can lead to significant growth compared to traditional savings accounts. I specialise in the Portfolio Mix to maximise your wealth at retirement.
Flexibility and Accessibility: KiwiSaver offers options for accessing funds for first-home purchases and certain significant life events, such as serious illness or permanent disability, providing both savings and flexibility.
Financial Literacy: Participating in KiwiSaver can enhance financial literacy as individuals learn about managing investments, understanding risk, and planning for retirement.
By taking advantage of these benefits, you can enhance their financial well-being and prepare more effectively for retirement.
Investment Advice
Business Investment
Succeeding in business is challenging enough and whether it is a startup, a side hustle or acquisition, it is essential to have a plan – it can be a mind map or vision chart to start with but if you just “wing it”, it likely will have a dramatic negative effect on your business.
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