The value of working with an adviser - new New Zealand research

The value of financial advice - Money & You researchThe Financial Services Council 2020 research project looked at how New Zealanders think about money and how it affects their decisions and well-being.  2000 New Zealanders were researched in March 2020 (yes, just as Co...
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How do New Zealanders view their financial situation - and how optimistic are they?

This survey of 15,519 adult New Zealanders was carried out from 2018 -2019 by the CCFC (Commission for Financial Capability - which was the Retirement Commissioner).  The Key Findings are: 1. Most people do not plan financially for retirement2. People expect NZ Super an...
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Ethical Investing - How do we know what our fund managers are doing?

There are a number of factors that we take into account in our process, which will be built on over time. 1.    Are the Fund Managers Signatories to UN PRI and or/RIAA 2.    What published information do the fund managers have on their approach ...
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Ethical Investing - The different terminologies

Ethical Investing is the short hand for many different types of approaches to understanding what and how the companies that you are investing in are carrying out their business. Since the Industrial Revolution companies have carried out their activities with the sole aim of ...
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Ethical Investing - Moneyworks Approach

Since 2017 Moneyworks have been analysing the ‘ethical investing’ approach that the fund managers that we recommend take.  Having investments that don’t ‘do bad’ is important to us at Moneyworks and also to many of our clients. Over the years the field of ‘e...
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Lost’ Australian Super – first steps to change legislation so that this can be transferred to a New Zealand KiwiSaver (thanks to Chapman Tripp)

Australian ‘unclaimed super’ money gap to be plugged (10th June 2020 – Brief Counsel) The Taxation (Annual Rates for 2020/21, Feasibility Expenditure, and Remedial Matters) Bill, introduced to Parliament on 4 June 2020, includes amendments which would enable the direct...
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Changes to KiwiSaver this year

There have been a number of changes to KiwiSaver this year.  Some of these changes took effect on 1 April 2020: · All members aged 65 years or over can make a retirement withdrawal ·  KiwiSaver providers will be notified of prescribed investor rate (PIR) changes ...
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Things you may not know about KiwiSaver

1.    Get regular withdrawals from your KiwiSaver to fund your retirement spending When you reach the age of eligibility for New Zealand Superannuation (currently 65), you can access your KiwiSaver. You can withdraw a lump sum, but many of Moneyworks clients f...
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What does the ‘KiwiSaver Retirement Projection’ on your KiwiSaver Statement mean?

If you are aged between 18 & 64, from this year, you will receive some more information on your annual KiwiSaver Statement.  This ‘Retirement Projection’ information is a legislative requirement, and is prescribed by the regulators. It is important to note that this...
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It really isn’t possible to ‘time’ the markets – investors with $1.4 billion in KiwiSaver funds learned this in March

When we meet with our Membership Fee clients on an annual basis, we consider the risk profile that their investments are invested in.  As your life changes, this may change.  We encourage our non Membership Fee clients to engage with us to discuss your risk profile...
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