Description

Is your KiwiSaver working hard enough for your future?

KiwiSaver should be part of a broader, holistic financial strategy—not a standalone account. Many Kiwis opt for overly cautious KiwiSaver options because they're not considering their entire asset mix.

Tune in as Tim and Rory discuss how aligning your investments, property, insurance, and income can set you up for long-term retirement success.

Important time stamps:

(00:00:00) Episode and guest introduction

(00:00:52) Importance of viewing KiwiSaver as part of a holistic financial picture

(00:01:27) New Zealand's traditional approach to retirement planning and asset allocation

(00:02:43) KiwiSaver as a growth asset and restructuring asset allocation

(00:03:35) Explaining 'whole of wealth' and its practical implications

(00:05:04) Challenges of fragmented financial advice and benefits of integrated planning

(00:06:33) Impact of home ownership and mortgage on KiwiSaver strategy

(00:07:46) Retirement flexibility and managing KiwiSaver post-65

(00:08:42) Common mistakes in KiwiSaver fund selection and conservative allocations

(00:10:05) Life changes and the need to adjust KiwiSaver strategy over time

(00:10:37) Benefits of holistic financial advice over siloed providers

(00:11:21) Financial planning for young individuals starting their journey

The Adviser Talk is available on all popular streaming platforms, including Spotify and Apple Podcasts. 

• Rory O'Neill is a Financial Adviser as well as the Director and General Manager at Stewart Group, a Hawke's Bay and Wellington-based CEFEX-certified financial planning and advisory firm. Stewart Group provides personal fiduciary services, Wealth Management, Risk Insurance & KiwiSaver solutions. 

• The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visit our website, www.stewartgroup.co.nz

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