Should I be in a Bank KiwiSaver scheme or a NZ owned KiwiSaver scheme?
As of 31 March 2020, there were 33 KiwiSaver providers (source: KiwiSaver Annual Report 2020). Some of them are run by banks and some of them are run by other New Zealand owned companies. So what are the differences and which one should you choose? That’s what we’ll be covering in this blog post today.
KiwiSaver缴税以及税率的计算
说到缴税，很多人可能都已经开始皱起了眉头，不过掌握一些正确的税收信息或许能够帮你省掉一大笔钱。与其毫无准备地收到一张你的KiwiSaver缴税单，不如现在开始先了解KiwiSaver基金的一些税收知识，比如哪个是属于自己的税收等级，以防止日后会欠IRD很大一部分钱。为你的KiwiSaver正确纳税的第一步，就是学习KiwiSaver基金是如何缴税的。
What’s in our KiwiSaver HealthCheck?
You may be curious to know the types of questions we ask while pondering over whether to begin our KiwiSaver HealthCheck or not. To be more transparent, and to take away some concerns you may have, we would like to give you a rundown of the details we ask you and why we ask them. […]
理财咨询的未来将会是真人为主还是机器人？
现代科技高速发展并且正在改变很多行业的轨道，其中一个影响就是，未来你的理财咨询师很大可能会是一个机器人。所谓机器人咨询师，就是实现完全在线自动化的理财投资咨询师。在人为干涉趋于最小化的情况下，机器人咨询的优点尤为突出，包括成本高效，服务连贯性以及可得性。
Are KiwiSaver glidepath or lifestages funds right for you?
Glidepath funds, lifestages or lifetime (age-based) fund options, are a different way to manage your KiwiSaver savings compared to more traditional ways. Glidepath funds have got some media attention over the past few years, and are offered by a few New Zealand KiwiSaver providers. In this blog post, you will learn about this more recent […]
Should I just choose a KiwiSaver fund with the lowest fees?
Your KiwiSaver provider may charge you many different types of fees such as account membership, management, performance, and administration fees. These are combined into one small percentage amount, excluding any fixed fees, such as an annual membership fee. The amount charged varies between providers and their different types of KiwiSaver funds. It is important to […]
我的KiwiSaver账户会不会破产？
如今有很多关于讨论KiwiSaver好处的声音，然而，有时我们也要想想它的另一面，比如说如果你的KiwiSaver服务提供商公司破产倒闭了呢？
Taking a look at Fisher Funds’ responsible investing policy
Ethical investing is the practice of aligning your investments based on your personal values. Investing ethically or responsibly can have various meanings, and different organisations have a variety of approaches when it comes to this. For example, Fisher Funds have a framework in place to exclude investments that they believe are unethical. The company was […]
选择KiwiSaver基金时要考虑的三要素
在我们之前的博客中向大家介绍了如何计算退休时的需要储蓄的总额，回报率以及缴纳百分比。这些数字本质其实是我们的KiwiSaver需要达到的收益是多少。但是这些数字能够告诉我们到底投资哪个KiwiSaver基金吗？答案是不能。KiwiSaver回报率只是我们考虑的第一个因素，还有其他因素需要纳入考虑范畴。
Should I contribute more to KiwiSaver or pay off my debt?
If you have some extra cash on your hand, should you focus more on investing the money in your retirement or using that money to pay off your debt? What would help you get ahead more? Before you can answer these questions, you need to take other factors into consideration. You can, for example, look at […]