Key Financial Solutions

When everything feels uncertain, freezing feels like the safe option. It isn't. Money sitting still while everything else moves is still a decision, it's just one you didn't mean to make.
You don't need a perfect plan today. You need one decision, then the next one.

It depends on what retirement looks like for you...

Every dollar you invest ends up somewhere, funding companies, industries, decisions. Ethical investing means having a say in what that somewhere looks like, instead of leaving it to chance.

Property is one way to build wealth. It's not the only way. Managed investment portfolios, KiwiSaver done properly, and other options can build a solid financial position while the housing market does whatever it's going to do.
Worth knowing your options before deciding property is the only goal worth chasing.

Dreams are free. Oh and I'll probably sort my driveway out and concrete the whole thing.

Disclaimer: This isn't financial advice. It's for illustrative purposes only. This is social media after all.

If you've spent time working across the ditch, you might have a super account you haven't thought about in years. It's about time your bring it home and into your KiwiSaver so it can work towards your future here.

There's no right or wrong answer - it's whatever option works best for you.
But if you don't know what your options are, how will you know it's right?
If you're ready to take a step in the right direction, that's what I'm here for.

When did you last actually check your KiwiSaver fund?
Not your balance, your fund.
Conservative, balanced, growth, or whatever you got defaulted into the day you signed up and never looked at again.
It takes about ten minutes to find out what you’re actually in and whether it still fits where you’re headed and it's worth doing - today.

Asset rich, cash poor - Sounds like a compliment and a warning rolled into one!

If you've got a house, a KiwiSaver account ticking along, and not a lot of cash sitting around, you're in good company. It's how a lot of people in their 40s end up, especially once the mortgage and the “I'll sort it later” years stack up.

Here's the bit worth sitting with: none of that wealth helps you much if you can't get to it when you need it. Retirement runs on cash flow, not on what your Trade Me estimate says the house is worth.

It's worth thinking about it now, before you need to access it.

This isn't financial advice. It's for illustrative purposes only. This is social media after all.

Hypothetically speaking, you come into some money.
So what are you doing with it? Paying off the mortgage, or investing it elsewhere?
There's no right answer. It depends on your particular situation, but things to consider are interest rates, timeframes, and which option will help you sleep at night with your decision!
As always, this isn't financial advice; this is just Social Media after all. But if you did want to talk about money, that's what we're here for.