Anyone already enjoying their retirement years will tell you that the best time to start planning is right now. We agree!
Statistically we’re living much longer and if you wish to retire at 65 you can expect to live at least another 25 years. Whilst you can access NZ Super and KiwiSaver from 65, will they provide you with enough income for the lifestyle you wish for? And if you want to retire earlier, then you’ll need to plan carefully.
Let’s talk about your goals for retirement, look at your current investments and risk profile, and then plan how you are going to get there. Making the right choices now can lead to a significant financial uplift in the future and more options for you to enjoy in your retirement years.
When you are looking to buy a house there are two separate “deposits” that get discussed.
There is the deposit that you pay to the real estate agent (the purchase deposit) and there is the amount you need so the bank will lend you the rest of the purchase price (the equity deposit) to ensure the lender does not have too higher exposure against the property.
Meta Financial presents top tips for your investment property in New Zealand. Here is expert advice on ways to navigate property investment. TIP #1: Claiming all expenses, even the little ones, accumulate over time and can add up to a significant sum of money.
Saving to buy your first home? These days, how you save is just as important as how much you save. You need to be smarter, innovative, and take advantage of all the options available to you. Here’s something else you need - the smartest financial planning in NZ. And that’s where we come in.
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This calculator is intended as a guide only and is based on the Residential Owner Occupied rate. It is not intended to provide advice, and is not a quote or an offer of finance by any lender.