What is an index fund and how does it work?
An index fund is a type of mutual fund whose holdings are structured to track a particular financial market. In order to reflect the collective performance of the companies in that market, the funds try to follow the benchmark by buying stocks of every company listed on the chosen index. One of the most commonly […]
How do we choose the most suitable KiwiSaver fund for you?
With almost 30 different KiwiSaver providers and over 250 funds available between them, selecting the most suitable fund for you may feel overwhelming. But, taking time to pick the right fund to fit your personal situation and goals is crucial in optimising your investments. A lot of Kiwis would look at a few different KiwiSaver funds […]
KiwiSaver我到底应该缴纳工资的百分之多少呢？
我们都知道KiwiSaver基金的表现不尽相同，最好的和最坏的相差很多。网络上也有很多讨论关于手续费的多少对你退休时的KiwiSaver余额的影响。不过，影响最大的因素很有可能是那个贡献率。
4 ways to get the most out of KiwiSaver
KiwiSaver is a great tool for Kiwis to save and invest for the future. Here are 4 things you can do to optimise your KiwiSaver investments. Taking the time to make these changes now could undoubtedly benefit you when it comes to your retirement or buying your first home.
How Kiwi women are missing out on $60,000 in retirement savings
There is a lot spoken about the gender pay gap. The gender pension gap, however, is actually much larger compared to the gender pay gap. In 2015, the average New Zealand woman would retire with $60,000 less than men in their KiwiSaver account, according to ANZ. The gap is widening, as in 2017 the average […]
6 scary things about investing that are not actually scary
Starting your investment portfolio can be quite intimidating and scary. For investors, getting over the fear of losing money in the stock market can be difficult. There are many fears surrounding the stock market and investing in general, but they may not be as scary as you think. A lot of people know that investing […]
7 common myths about KiwiSaver
Millions of kiwis are members of KiwiSaver, but there are still some misconceptions about what it is and how it operates. Here we will talk about some common myths and misunderstandings about KiwiSaver and debunk them.
KiwiSaver’s saving suspension: a good idea?
To prepare for retirement, we save and invest a small portion of our income to our KiwiSaver account regularly. While it makes saving easy, sometimes financial hardship can mean we need to take a break from our regular contributions into KiwiSaver. This is made possible by a ‘savings suspension’. On a savings suspension, your income […]
What is a negative interest rate and how will it affect your KiwiSaver fund?
You may have heard some discussions earlier this year about the possibility of New Zealand’s OCR (Official Cash Rate) to drop below zero. Currently, the OCR set by our Reserve Bank is very low at 0.25 and it has been decreasing since 2015. Negative interest rates is an unusual scenario, but it is likely to […]
退休时你需要在kiwisaver里存够多少钱呢？
无论是那些已经接近退休年龄，还是仍有十多年才退休的人，我们都要回答这样一个问题：退休时到底应该存够多少钱呢？