Articles

KiwiSaver in retirement: busting the misconception

The government and product providers have done a tremendous job promoting KiwiSaver as a retirement savings product. However, there is a common misconception that once someone turns 65, they have to cease contributions and withdraw their funds.

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• Your insurance policy needs to be dynamic-not set and forget
• Five tips for home saving
• Debunked money myths
• It is important to check your investment tax rate
• The property glow is dimming
• Entry into retirement requires planning
• Winning with Bonus Bonds
• Record low interest rates - and what it means for you
• Pitfalls of early retirement, and how to avoid them
• Milestone restructure provides greater benefits for clients
• Two character traits for creating greater wealth
• KiwiSaver changes are good news for investors
• Why you need an emergency fund
• Participation is the key to getting value for money
• How to say no to a purchase, even when you can afford it
• Is the traditional property investor a dying breed?
• Why does the Reserve Bank want to increase bank capital?
• Too many New Zealand income earners are putting heir families at risk
• Three tips to benefit from a market correction
• How to avoid financial stress at Christmas
• How to potentially save $ 100,000 in interest
• Key Financial Data 2019 all in one document
• It's a slowing world
• Finding your financial balance
• Four important checks to make before cancelling your life insurance
• My kids will be "off the payroll"
• Guess what I want to be as I age
• Three questions that can predict future quality of life
• Slowing growth and rising inflation
• Nothing stays the same: Ensure your finances are ‘fit for purpose.
• Key Financial Data 2018 all in one Document
• Five smart ways to use your credit card
• Why do I have to keep proving who I am?
• How the OCR impacts upon YOU
• The 3 Ms of retirement
• Will technological disruption impact your investment style?
• Diversification will win the day
• How to protect yourself from a cybersecurity threat
• Take care if changing insurance policies
• Your credit rating matters
• 7 secrets self-made millionaires teach their kids
• Focus on the hill not the yo-yo
• All eyes on the US in 2018
• Where to for Bitcoin in 2018?
• The year ahead: Optimistic for now but risks are rising
• How to avoid financial stress at Christmas
• Knowing the warning signs can stop you being scammed - Bob's story
• What do baby boomers fear the most?
• How much further can investment portfolios rise?
• The problem of mental incapacity when you are a trustee of a family trust
• The election and your money
• Give your finances a spring makeover
• Family trust law reform
• Dispelling KiwiSaver scheme misconceptions
• Why do cities become unaffordable?
• One-third of millennials are living with parents
• How our brains lose money
• Good insurance advisers secure big payouts for clients
• Why is the Reserve Bank worried about high household debt levels?
• Why am I not wealthy?
• Reserve bank has a positive outlook
• Where to live when you get older
• Is the Kiwi dream changing?
• 5 steps for retiring early
• Financial woes among younger investors mean delayed milestones
• Can you afford living to 90 or even 100
• Have you insured your largest asset
• Top 5 investment tips from Warren Buffet
• How to avoid being suckered by scams and Ponzi schemes
• Monetary policy statement signals 'steady as she goes'
• New Zealanders ranked fifth richest people in the world

• The cycle lives on: What we might expect in 2017

• Plenty of Christmas Cheer

• Taking property profits makes sense

• Improved personal money management impacts the economy

• Will your retirement meet your expectations?

• New Zealand Superannuation and age 65

• Double digits disappear and what can investors do about it

• The house buyers bible

• Are you prepared to wait?

• 8 tips for affording a first home

• The money side of entering a relationship

• Crystal ball gazing on a grand scale

• Changes to the KiwiSaver HomeStart Grant

• Why worry about the Auckland housing bubble?

• Key Considerations when buying an apartment

• Understanding the financial cost of a broken relationship

• Chasing performance is not always a smart move

• Budget 2016 is good news for investors

• The global recovery is here - but may yet be derailed

• Key financial data all in one handy document

• Self-awareness is a key ingredient to doing well as an investor

• The mortgage and property conundrum

• Is it time to follow Warren Buffet's advice?

• Focus on the important things in life

• The Investment Outlook for 2016

• Key Considerations when investing in 2016

• Are house prices at a cross roads?

• Financial Lessons from the Rugby World Cup Win

• Market perspective: now what?

• New Zealand Defence Force shows a massive vote of confidence in Milestone

• Risk management and insurance

• 8 Reasons why travel insurance is a must have

• Lessons learnt (and forgotten) from harder times

• Life after work - ready or not

• Diversification saves the day

• The advantages and disadvantages of refinancing your mortgage

• Retirement pitfalls: Why people run out of money

• Active vs passive: the great investment debate

• OneAnswer International Share Fund gets coveted gold rating plus 5 stars

• Pro-active investment advice pays off for KiwiSaver investors

• Investment lessons from the Nepalese earthquake disaster

• Do your adult children have a back-up plan (other than you)?

• Understanding bank capital notes or similar products such as perpetual subordinated notes or hybrid securities

• 7 Steps to KiwiSaver success

• Buffet's five fundamentals of investing win the day

• Deflation: why we should be worried

• The classic insurance trap

• The changing face of our money

• Make your money mean something

• How much do you waste with overlooked charges?

• Santa's economic present

• 7 actions to achieve your financial new years resolution

• Discover the three most important investments you can ever make

• Your investments are winning awards

• When the Reserve Bank speaks - we should all listen

• It pays to study China

• We don't know how lucky we are

• Election is positive for your money

• Putting your debt on a diet

• Retirement: The good, bad and ugly

• Excitement and expenses are your enemies

• Is our dollar at the cross-roads?

• Changing investments

• Coping with that phase in life no-one plans for or wants

• Money and stress

• You can't eat the house

• Has your tax status changed?

• Licensing of discretionary investment management: A positive outcome from a sorry saga

• Money never sleeps

• Inflation fears hit retirement confidence

• Mortgage interest rates on the up and up

• 6 reasons to reassess your life insurance needs

• How small events can trigger massive change

• Where do you fit?

• Market outlook 2014: Goldilocks is back!

• Money really can buy happiness

• What research says about the contents of Santa's sack

• Chasing income can be chasing added risk

• Getting a slice of the China pie

• Nothing stays the same: Ensure your finances are ‘fit for purpose.’

• It’s time to look at your KiwiSaver account

• KiwiSaver in retirement: busting the misconception

• Let’s get real about life insurance levels of cover

• The ‘spans’ – lifespan, health span, wealth span

• Why it’s best to ignore the gremlins in your head

• AML/CFT: We all have to grin and bear it

• Budget positive for your investments

• Attitudes towards retirement are changing

• Equities are where the money is

• Healthcare: We all need to do our bit

• Rear vision investing

• Keeping track of your investments

• When should I formally review my KiwiSaver investment?

• You need to be in to win: KiwiSaver performance improving

• Shares vs rental property: which is best?

• Rat bags and your money

• 2012 in perspective: It’s actually been pretty good!

• New trends in retirement employment

• Portfolios are never static

• 7 reasons family trusts fail to provide the required protection

• Guidance from a Wall Street legend

• The terrible truth about our insurance buying habits

• Investment alert: Beware the KiwiSaver switcher

• Sensationalism vs reality - don’t let it blind you to opportunities

• Financial literacy starts at home

• The Olympics provide good financial lessons

• Eruptions provide a timely reminder

• KiwiSaver’s simplicity wins the day

• KiwiSaver survey results show good outcome for Milestone clients

• How Milestone makes investment recommendations

• Choosing a retirement village

• Immigrants groomed for success

• Getting the best exchange rate

• Tax returns are worth completing

• Gift duty abolished 1 October: but take care!

• Dust off that old policy or investment

• Adult children at home

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