KiwiSaver
Can I Use My KiwiSaver to Buy My First Home?
How KiwiSaver can help New Zealanders buy a first home: who is eligible, how a first-home withdrawal works, and what to…
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New Zealand
19 articles
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KiwiSaver
Is KiwiSaver Enough to Retire On if You Earn a High Income?
KiwiSaver is a strong foundation, but higher earners often find it replaces only part of the lifestyle they are used to.…
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KiwiSaver
How Do I Choose the Right KiwiSaver Fund?
A plain-English look at how New Zealanders can choose a KiwiSaver fund type, based on their timeframe and comfort with r…
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Income Protection
How Does Income Protection Work for High-Income Earners in New Zealand?
Higher earners have more to protect and some specifics to watch with income protection: benefit caps, how income is defi…
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KiwiSaver
How Much Should I Contribute to KiwiSaver?
A plain-English guide to KiwiSaver contributions in New Zealand: your options, how employer and government contributions…
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Life Insurance
Should Your Life Insurance Be Owned by a Trust?
Some New Zealanders have their life insurance owned by a trust so a payout can be directed and protected. Here is what t…
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Insurance
Do I Need Income Protection if I Already Have ACC?
How ACC and income protection differ in New Zealand, and the gap many working Kiwis look to income protection to fill.
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Mortgage
How Much Life and Income Cover Do You Need With a Large Mortgage?
A bigger mortgage changes the maths on how much cover makes sense. Here is how to protect a large home loan without over…
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Insurance
Is Private Health Insurance Worth It in New Zealand?
A plain-English look at what health insurance adds in New Zealand alongside the public system, and the factors people we…
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KiwiSaver
How Are KiwiSaver and PIE Investments Taxed in New Zealand?
KiwiSaver and many managed funds are taxed as PIEs. Here is how your Prescribed Investor Rate (PIR) works, and why getti…
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Insurance
Life, Trauma, TPD or Income Protection: What's the Difference?
A clear, plain-English explanation of how life, trauma, TPD and income protection cover differ in New Zealand, and how t…
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Insurance
How Much Life Insurance Do I Need in New Zealand?
A plain-English guide to working out how much life insurance you might need in New Zealand, and the factors that change…
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Insurance
Do You Still Need Insurance if You're Financially Well Off?
If you have significant savings or assets, you may be able to carry some risks yourself. Here is how to think about whic…
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Insurance
Do I Need Life Insurance if I'm Single With No Kids?
Whether single New Zealanders with no dependants need life insurance, and the situations where cover can still be releva…
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Trauma Insurance
How Much Trauma (Critical Illness) Cover Do You Actually Need?
Trauma cover pays a lump sum if you are diagnosed with a serious illness. There is no single right amount — here is a pr…
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KiwiSaver
What Happens to My KiwiSaver and Insurance When I Change Jobs?
What happens to your KiwiSaver and your insurance when you change jobs in New Zealand, and the cover that does not follo…
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Income Protection
Agreed Value vs Indemnity Income Protection: What's the Difference?
Agreed value and indemnity income protection calculate your benefit differently. Here is what separates them, and why it…
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Business Insurance
What Is Key Person Insurance and Does Your Business Need It?
If your business would struggle without one particular person, key person insurance can help absorb the financial shock.…
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Estate Planning
How Does Life Insurance Fit Into Estate Planning?
Life insurance can provide liquidity and certainty in an estate plan. Here is how it interacts with wills, trusts and be…
