Take Charge in 2025: Supercharge Your KiwiSaver for Long-Term Security
The start of a new year is the perfect time to take stock, reassess, and set yourself up for success—including with your KiwiSaver. As we step into 2025, seize this moment to ensure your retirement savings are on track and aligned with your goals. A quick check-up now can set you up for long-term success.
1. Look beyond the short-term: Focus on long-term performance
While past performance provides insights, basing decisions solely on last year’s top-performing fund can be misleading. Markets fluctuate, and last year’s star performer could easily stumble in the year ahead.
A well-managed, stable fund that delivers consistent returns is more likely to weather the ups and downs of the market, giving you the peace of mind that your savings are working for you over time.
2. Is your fund on track? Align your fund with your life goals
As you move through different life stages, your KiwiSaver strategy should evolve too. Are you in the right fund for your current financial goals? If you’re nearing retirement, it’s essential to transition to more conservative options to preserve your hard-earned savings. A financial adviser can help you ensure your KiwiSaver fund is tailored to your goals and risk tolerance.
Consulting a financial adviser can help ensure your KiwiSaver fund is optimally aligned with your unique needs.
Our KiwiSaver Specialists can guide you through this decision by understanding your goals, assessing your risk tolerance, and recommending the fund type that best suits your circumstances. This personalised approach ensures your investment strategy evolves alongside your life journey.
3. Build your full financial picture: Take a holistic approach to retirement planning
KiwiSaver is a cornerstone of your retirement strategy, but it’s just one piece of the puzzle. Taking a holistic view of your finances helps you identify potential gaps and opportunities. For example:
Insurance Needs: How does your KiwiSaver nest egg influence your personal insurance requirements as you approach retirement?
Lifestyle Goals: Will your KiwiSaver savings cover your desired retirement lifestyle, or do you need additional investments?
Working with a financial adviser can help you create a comprehensive plan that integrates KiwiSaver with other elements, such as personal savings, investments, and insurance. A comprehensive strategy will ensure you’re fully prepared for the future.
4. New year, new confidence: Start 2025 with expert guidance
The new year offers a fresh start—there’s no better time to take control of your financial future. By reviewing and aligning your KiwiSaver with your goals and considering how it fits into your broader retirement plan, you’ll be setting yourself up to achieve your financial aspirations.
Retirement planning can feel overwhelming, but you don’t have to do it alone.
Our team of expert Financial Advisers are here to help guide you through every step of the way.
Book your free consultation today to receive personalised advice tailored to your unique situation, ensuring your KiwiSaver is working as hard as you are.
