What is diversification and why is it important in your KiwiSaver fund?
Let’s say your KiwiSaver fund consists of only stocks within the mining industry. If the government announced that coal mining would be banned and that energy sources would now come from renewable energy, share prices of mining stocks will collapse. Since you only have one type of industry in your investment portfolio, it will experience […]
Active vs Passive KiwiSaver Funds: Which is Better?
Depending on your KiwiSaver provider, your KiwiSaver funds can be actively managed or passively managed. Actively managed funds are where investment managers make active decisions on what investments to buy or sell in your KiwiSaver. On the other hand, passive investments copy what the market is doing by tracking and buying the index. Ongoing fees […]
Are all KiwiSaver Providers the same and how do I choose?
There are a range of KiwiSaver providers out there, from big banks and insurance companies, to specialist and boutique investment managers. With more than 20 KiwiSaver providers and more than 200 different KiwiSaver funds, how do you choose? Fees, returns, the way the funds are invested, and your final KiwiSaver balance at retirement can vary […]
Can I Withdraw My KiwiSaver Savings Early?
Needing to withdraw your KiwiSaver savings early? The main purpose of KiwiSaver is to help you save for retirement so you can live comfortably when the time comes. However, for some of us, retirement may be years away. Many things can happen between now and 65 that could lead to withdrawing your KiwiSaver funds early. […]
Be Like Jane – Sort Out Your KiwiSaver Account with National Capital
Meet Jane* – one of National Capital’s clients. In this blog post, we’ll take a look at how Jane used National Capital’s KiwiSaver recommendations to better align her KiwiSaver strategy with her current situation and goals. *The names and identifying details in this blog have been changed to protect the privacy of individuals. Â
Investing in KiwiSaver: How Risky Is It?
KiwiSaver is an investment. And with all investing, comes risk. We’ve explained here what these KiwiSaver risks are and how to minimise them.
KiwiSaver: How do I spend it in retirement?
Once you turn 65, you have the chance to finally withdraw the KiwiSaver balance that you’ve accumulated throughout your working life. Where and how will you spend it? It’s tricky to figure out how much of your KiwiSaver funds you should spend vs save as there are so many uncertain factors. These decisions depend on […]
What Happens to your KiwiSaver Balance on Your 65th Birthday?
Once you turn 65, congratulations! You are now eligible for NZ Super and have access to your KiwiSaver account. At National Capital, we talk a lot about planning your retirement and sorting out your investment. But what happens to your KiwiSaver account once you hit 65? Do you have to withdraw your entire retirement lump sum? […]
Best Performing KiwiSaver Funds – June 2020
National Capital understands that there is an abundance of KiwiSaver providers to choose from and that reading about the differences in hundreds of KiwiSaver funds aren’t exactly written out in your weekend plans. This is why we’ve put together some detailed information on the top-performing KiwiSaver funds based on their 5-year returns for each category. […]
Digging Deeper To Find Out If Your KiwiSaver Fund Is Truly Ethical
At National Capital, we don’t just look at ethical investing as a checkbox exercise but engage with various KiwiSaver providers, to really understand what their ethical investing stance is and how it translates into their investments. As an example, we did further research into CareSaver to see if they truly walked the talk about being […]