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W & K

KiwiSaver

Latest Articles

14 Jun 2017

One of the challenges for KiwiSaver scheme members when they reach the age of sixty five is: should they continue to contribute to the fund, and or stay invested in the fund....

30 May 2017

KiwiSaver Schemes are a long-term investment. A forty-year-old will, with all things being equal, be in a KiwiSaver fund until they turn sixty-five. For most people, their...

27 Feb 2017

This is a commonly asked question of financial advisers especially when KiwiSaver investors are in a group default scheme. It is always a bit difficult to answer at the time,...

Recent Articles

05 Mar 2013

Fisher Funds have recently purchased Tower Investments for $79 million.Fisher Funds was helped in the deal by TSB, which is taking a 26% shareholding in Fisher Funds in return....

29 Jan 2013

Recently, Morningstar Research released their KiwiSaver Performance Survey for the December 2012 quarter. Not all KiwiSaver providers take part in the Morningstar survey. A...

12 Nov 2012

In the investment and insurance world there are a lot of different designations that advisers use; e.g. RFA, AFA, CFPCM, CLU etc.  What do they mean, and what...

25 Sep 2012

One of the real dangers of KiwiSaver is that it may be giving members a false sense of security for their retirement. Because of this, they may feel that there is no need for...

03 Jul 2012

KiwiSaver has just turned five. There is around $11.5 billion invested in KiwiSaver funds and of this, the government has paid in about a third. Almost two million people are...

08 May 2012

As KiwiSaver balances grow, fund returns compared to government contributions, play a much larger role for the investor. Initially the government’s contributions had a...

24 Jan 2012

Over the past week or so, there have been what we consider several interesting developments in the New Zealand’s funds management industry. Two of these in particular...

27 Jul 2011

KiwiSaver has this month turned four. Currently there are around 1.75 million members, whose investments are valued at close to $9 Billion. Of this, around 40% of the amount is...

13 Jul 2011

The first day of July, 2011 marked the start of a new regulated era which should result in investors having greater confidence in seeking professional financial advice. ...

28 Jan 2011

Currency is just one of the risks many investors take on.   We need to be aware of the actual investment risks involved.  Some people are wondering if there are...

03 Sep 2010

This week, the Crown Guarantee has been severely tested with the receivership of South Canterbury Finance. No one will know the final cost to the tax payer until the...

02 Aug 2010

As many commentators have said, KiwiSaver is a no brainer! The incentives have certainly been put in place for all eligible participants to join, albeit some may not be able to...

05 Mar 2010

Investors should be entitled to trust the information provided in an investment statement.  After all directors have signed and certified the truthfulness of what has been...

15 Jan 2010

The Retirement Commissioner has brought annuities back into the news recently.  This is because of concerns as to how people will control their spending when they reach the...

04 Dec 2009

In Australia there have been moves to make commissions on investments illegal.  The reasoning for this is that someone who is paid by commission can be unduly influenced by the rate of...

28 Aug 2009

It is fast approaching the Institute of Financial Advisers Financial Awareness Week (September 6 -13).   We thought it appropriate therefore to make use of a case...

10 Apr 2009

In March we witnessed one of the strongest performances by global shares since the 1930’s.  For example the S&P 500 rose by 24.8% from trough to peak with the...

26 Dec 2008

We have made it through Christmas and the ‘silly season’ is still in full swing.  For many, the dilemma will be paying for all those presents, and the...

17 Oct 2008

Last Sunday (12 October) as a key note to the launch of the Labour Party Election campaign, it was announced that the Crown would provide guarantees for up to two years for...

10 Oct 2008

Last week we looked at some of the benefits of investing in cash PIE’s by comparison to normal bank deposits.  One of the main reasons for PIE’s was to get...

03 Oct 2008

The introduction of PIE’s (portfolio investment entities) a year ago, was potentially of massive benefit to the New Zealand fund management and banking industry.  By now there are...

01 Aug 2008

The Retirement Commission worries about the lack of savings in New Zealand.  Most people do not understand that if everyone started to save 5% of their income immediately,...

18 Jan 2008

A number of KiwiSaver investors may have seen what appeared to be disturbing news in last weekend’s NZ Herald.  An article pointed out that one of the default...

21 Dec 2007

Dear Santa

We are really looking forward to catching up with you at Christmas.   Hasn’t the year gone by quickly?  I hope all is well with you and Mrs. Claus, and of...

14 Dec 2007

In true New Zealand style, the year is winding down, so perhaps it’s a good time to reflect on the past and think about planning for the future.  In the current year, there have been...

19 Oct 2007

This week marks the twentieth anniversary of the 1987 share market crash.  This was effectively just a blip in many markets, but it was a major crash here in New Zealand....

22 Jun 2007

By now most people in New Zealand will have all heard that KiwiSaver is to commence from 1 July this year.  All employers must offer KiwiSaver to new employees (with a few...

08 Jun 2007

It’s all about KiwiSaver in the media at the moment, once you get away from the noise of Mercury Energy.   One of the secrets of abundant wealth is the power of controlled...

01 Jun 2007

It seems amazing, that here we are now two months into a new investment taxation regime, yet the good folks at the IRD call centre still do not seem to know about it.  We...

25 May 2007

Last week Dr Cullen delivered his budget.   As most people are aware, the area that attracted the most attention was KiwiSaver.  There were several main aspects...