As the year draws to a close, many Kiwis are shifting their focus from work to winding down, and for good reason. The Christmas season brings long lunches, family BBQs, and a chance to relax after a busy year. It can also be one of the most financially stressful times if your money matters aren’t in order.
That’s why now is the perfect time to get festive financial advice before the summer break. Whether it’s your insurance, home loan, KiwiSaver, or investments, getting things sorted early means you can enjoy the holidays with confidence – not worry.
Insurance: Protect what matters most
The Christmas period is one of the busiest travel times of the year, and unexpected events can happen when life’s at its fullest. Reviewing your insurance now ensures you and your family are protected heading into the new year.
From life and health cover to income protection, knowing your policies are up to date can help you focus on the moments that matter most – not the “what ifs”.
Home loans: Beat the holiday slowdown
If your home loan is due for review or refix, don’t wait until banks and lenders wind down for the year. December is one of the busiest months in the property market, and waiting too long could mean delays or missed opportunities to secure better rates.
An Apex Advice home loan adviser can help you review your current rate, explore refinance options, or set up pre-approvals so you’re ready to act quickly in the new year.
KiwiSaver: Stay on track for your goals
Christmas spending can make it easy to lose sight of your long-term goals. Reviewing your KiwiSaver fund and contribution rate before year-end can make a real difference to your future balance.
Whether you’re saving for your first home or retirement, our advisers can help you check your fund is still aligned with your goals, and your risk profile.
Investments: Plan ahead for a new year of growth
For many investors, December is a great time to take stock. Market movements, tax considerations, and lifestyle changes all affect how your portfolio performs.
Speaking with an adviser now means you can realign your investment strategy for 2026, stay focused on your long-term objectives, and head into summer knowing your money is working for you.
Make this season count
Financial preparation doesn’t have to be stressful. With festive financial advice from Apex Advice, you can relax into the holidays knowing your finances are in order and your goals are on track.
Plus, to make Christmas extra merry – when you speak with an Apex Advice adviser, you’ll go in the draw to WIN a Weber BBQ Bundle* to make your summer even brighter!
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