Money – it’s a topic that makes many Kiwis shuffle their feet. We’ll gab on about the All Blacks or the price of butter, but our bank balance? She’ll be right – or so we hope. Yet the evidence suggests many New Zealanders could use a financial tune-up. In my work, I meet a lot of people, of varying ages and varying degrees of financial literacy. These are a few of my observations and some fixes for them. I’ll keep it friendly, practical, and a little bit cheeky...

Markets go up. Markets go down. Sometimes they crash. It’s all part of the investing journey, but when your KiwiSaver balance suddenly dips, it’s easy to panic. I get it. No one likes seeing their hard-earned money shrink overnight. But here’s the truth: a market dip isn’t a disaster, it’s an opportunity… if you handle it the right way. Let’s talk about the Do’s and Dont's when the stock market takes a hit.

When people think about KiwiSaver, they usually picture one pot of money ticking along quietly in the background. But here’s the thing: not all KiwiSaver Funds are created equal. Choosing the right Fund Type can mean the difference between coasting into retirement… or powering there with the wind at your back. 🧠 What Are the Main Fund Types? KiwiSaver funds come in five main flavours: