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Kiwisaver
KiwiSaver is a voluntary retirement planning scheme. It helps ensure your financial security in retirement as it will represent the bulk of your retirement savings. In some situations, your KiwiSaver scheme can also be used to help purchase your first home.
Various KiwiSaver funds and schemes are available. The right option for you will depend on your circumstances and your attitude to risk. Book for an appointment to one of our KiwiSaver specialist.
KiwiSaver is a regular savings scheme. Typically, people save a percentage of their salary, but you can make lump sum deposits too. If you are employed, your employer will also contribute 3% of your before-tax salary. The Government contributes too, adding 50 cents for every dollar you save up to a maximum of $521.43 each year. These contributions by your employer and the Government are the main benefit of KiwiSaver.
When it comes to planning for your retirement, there is a simple rule to follow – it is never too early to start. It’s not easy, of course, particularly when you are young and have plans and things you want to do and achieve. Retirement seems so far away. Starting early, however, will maximise your income in retirement. Get in touch with us today to find out more and to discuss an option that suits your requirements.
If you already have a KiwiSaver scheme in place, are you sure it continues to meet your requirements? When was the last time you checked it? Has your attitude to risk or personal circumstances changed since you first put the scheme in place? In these situations and more, the best advice is to review your current scheme to ensure it continues to meet your financial objectives.
You need to choose the scheme that best suits your requirements, but you are not alone when you choose us at Future Secure Financial as your financial adviser. We’ll give you all the information and advice you need, and we’ll help you make the right choice. Plus, we are not tied to any specific provider, fund, or scheme, so the advice you get from us will be completely impartial.