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Articles tagged with 'retirement'

Heartland reverse mortgage book grows 10%

17 September 2020 - Heartland Group's New Zealand reverse mortgage book grew by nearly 10% in the last financial year, as older Kiwis tap into home equity to boost their retirement income. 

'Retirees' stick with KiwiSaver, AMP says

3 August 2020 - More people over the pension age are choosing to keep their KiwiSaver funds active, AMP Wealth Management says.

Financial advice saving retirement futures: Adviser

1 June 2020 - A financial adviser who offers digital advice on KiwiSaver says he’s seen a “huge uptick” in demand for help during the Covid-19 disruption – and those who have received guidance have made it through the market volatility in better shape.

Don't use KiwiSaver for investment property - yet

4 February 2020 - The Interim Retirement Commissioner’s proposal to allow KiwiSaver first-home withdrawals to be used for investment properties came tantalisingly close but didn’t quite make it to the recommendation phase.

Govt moves to fix pension 'unfairness'

22 January 2020 - One change coming in a new bill revamping the superannuation system rectifies an unfairness that should have been fixed a long time ago, researchers at the University of Auckland's Retirement Policy and Research Centre (RPRC) say.

Low property expectations

7 November 2019 - Confidence in investments across the board has fallen to a three and a half year low – and a decline in sentiment about housing has played a big part in this.

Retirement Commissioner: Consider KiwiSpend

22 October 2019 - Acting Retirement Commissioner Peter Cordtz is lending support to the idea of KiwiSpend – a Government-administered annuity to help people turn KiwiSaver savings into an income.

[The Wrap] Millennial investors, KiwiSaver and property investment

19 October 2019 - It was a surprise to see the Retirement Commissioner drop a press release suggesting KiwiSaver should be able to be used to buy investment property.

Have your say on Super and KiwiSaver

16 July 2019 - Submissions are now open on the government’s Review of Retirement Income Policies, including questions around Superannuation and KiwiSaver. The...

Retirement policy: Call to start over

5 July 2019 - New Zealand is spending billions of dollars on KiwiSaver with no clear indication that it is leaving anyone better off, two retirement policy commentators say.

COMMENT: The compliance struggle

26 June 2019 - For many property investors, the end goal is setting themselves up for retirement – but new requirements are making that harder. Investor Dale Young explains how his retirement project is turning into a compliance nightmare...

Sorted denied funding for independent robo offer

12 June 2019 - Retirement Commissioner Diane Maxwell says the Commission for Financial Capability applied for funding to create an independent roboadvice tool but was rejected.

No let-up in Kiwis love for property

7 May 2019 - Property investors get a bad rap and yet nearly half of New Zealanders believe property is the best way to generate wealth for retirement.

Govt needs to step in to annuity market: Researcher

11 January 2019 - A New Zealand academic has renewed her call for government intervention to fix a “serious hole” in the country’s retirement income policies.

What contribution rate should I have in order to retire?

13 December 2018 - More specific guidance is needed from advisers if clients are to have the income they require in retirement. 

Retirees face significant shortfall

26 July 2018 - Advisers may be able to use new, updated retirement expenditure guidelines to show clients that it’s normal to continue to work after 65, the research author says.

Rethinking retirement assumptions

2 February 2018 - Advances in healthcare and technology have improved life expectancy in New Zealand at a staggering rate – by almost two years every decade since 1960.  Investors retiring at 65 should be preparing for a long retirement.  In this commentary John Berry asks how long should advisers target for their clients’ savings to last, and do historic assumptions for growth asset allocations for retirees need a rethink?

Advice force changes: Hunters out, farmers in

16 January 2018 - Selling a book of business is a different proposition in 2018 than it was a few years ago - and not just because average values have increased substantially.

Savers may be better off with govt fund: Treasury

21 December 2017 - Savers would be better off in a government-run KiwiSaver scheme, new data suggests.

More consultation on Minister's to-do list

19 December 2017 - The Ministry of Business, Innovation and Employment wants to see consultation papers on the regulation of financial advice issued within the first 100 days of this government's term.

KiwiSaver tax breaks mooted

12 December 2017 - Michael Cullen chairing the new government's tax working group could be a boon to the KiwiSaver industry, it has been predicted.

Few takers for advice - but retirees rue missed opportunity

7 December 2017 - Many retirees regret not taking financial advice, but it’s not easy to get people who need it to take an interest, data shows.

What next for KiwiSaver

14 November 2017 - How to turn a lump sum into retirement income is a question that hasn’t been answered properly anywhere in the world, says Ana-Marie Lockyer, ANZ’s general manager of wealth products.

What next for KiwiSaver

7 November 2017 - How to turn a lump sum into retirement income is a question that hasn’t been answered properly anywhere in the world, says Ana-Marie Lockyer, ANZ’s general manager of wealth products.

Investors search for income

2 November 2017 - More investors are looking for products that produce income in retirement, as low interest rates persist.

KiwiSaver fees: Paying for performance

31 October 2017 - ANZ has produced an excellent document to celebrate 10 years of KiwiSaver, called Dollars and Cents: A Decade of KiwiSaver. Ana-Marie Lockyer, GM of Wealth Products at ANZ Investments, talks about what’s in the report.

Fisher Funds: Industry should pull together

31 October 2017 - Bruce McLachlan has recently taken over as the Chief Executive of Fisher Funds Management, coming into the role from the Co-Operative Bank.

Leverage up your KiwiSaver fund

30 October 2017 - Booster chief investment officer David Beattie says people should be taking more risk in their KiwiSaver funds.

Work on incomes, global pension report says

25 October 2017 - There will be growing demand for retirement income products as KiwiSaver matures, the author of a new report on pension policy says.

Ralph Stewart's Lifetime picks up former Tower business

6 October 2017 - Ralph Stewart's variable annuities business,  Lifetime Income, has acquired a book of policies from the old TOWER Insurance business.

Simplicity offers income option

22 September 2017 - KiwiSaver provider Simplicity has signed a deal with variable annuity firm Lifetime Retirement Income, to provide a new KiwiSaver fund that offers retirees an income for life.

Advice key part of KiwiSaver success: ANZ

5 September 2017 - Advice is important to make sure New Zealanders get the most out of KiwiSaver, the country’s biggest provider says – but it suggests much of it should be supplied free.

Getting to Know: Reagan Bax

25 August 2017 - Is Reagan Bax, brother of model Kylie Bax, the only member of the NZ financial advice sector to have played golf with Donald Trump?

Getting to Know: Peter Neilson

18 August 2017 - Peter Neilson was the chair of the Financial Services Council until insurers quit in revolt over a report into insurance commissions, and was the Associate Minister of Finance during the sharemarket crash. Here, he talks about why advisers should be more like surgeons.

New legislation may give advice industry new life

16 August 2017 - The financial advice industry is well-positioned for growth, if it is willing to make changes.

Getting to Know: Richard Klipin

28 July 2017 - Richard Klipin is tackling the job of rejuvenating the FSC in a period of big change for the industry.

Bigger questions to ask of retirement policy: Report

25 July 2017 - Analysts says the 'jokey' 2016 review from the Retirement Commissioner missed some of the big questions.

The rising cost of financial advice

19 July 2017 - Hobson Wealth Partners' Warren Couillault talks about the cost of providing financial advice and why he believes it is now 50% to 100% more than it was five years ago.  

Get real!

17 July 2017 - It is now nearly a decade since the GFC. Returns have been very acceptable across most asset classes over this period.

Call for consistent retirement savings target guidelines

7 July 2017 - Advisers say their clients welcome having a benchmark savings target to aim for in retirement – but the industry would be better served if there was a consensus view.

Government signals more KiwiSaver changes possible

8 June 2017 - The Government is cautiously supportive of including higher KiwiSaver contribution rate options and “increasing KiwiSaver coverage” but cannot say yet what that might mean.

Ready for Bretirement?

6 April 2017 - Introducing a new superannuation scheme for people now living in NZ, with a UK pension.

Ken and Barbie used to sell retirement message

13 December 2016 - The Commission for Financial Capability is winning industry plaudits for it's use of a digital interactive platform that uses Ken and Barbie dolls to raise awareness about New Zealand's ageing population and the need for increased saving.

Will Key resignation pave way for NZ Super changes?

5 December 2016 - [UPDATED] Critics of the Government's current stance on New Zealand Superannuation are hoping that the Prime Minister's resignation paves the way for a change of heart in the Beehive.

Pension changes could hit migrants hard

1 November 2016 - Some advisers may have to redo their clients’ retirement calculations if a proposed change to the entitlement rules for NZ Super goes through.

Maxwell calls for super changes

26 October 2016 - Retirement Commissioner Diane Maxwell is to formally recommend the pension age is raised - but it does not seem likely the Government will listen.

Plan for the worst

15 September 2016 - Advisers may need to give their clients a reality check about the likelihood of NZ Super being available for them at 65, one commentator says.

Retirement Income policy a month-by-month approach

3 February 2016 - Retirement Commissioner Diane Maxwell says getting the public on side is the most important aspect of developing retirement income policy.

Retirement income policy review terms tabled

2 February 2016 - New Zealand’s retirement commissioner is being asked to look at how retirees managing their money using things such as annuities and reverse mortgages.

Lifetime Income launches

29 January 2016 - Advisers who have signed up to distribute the new Lifetime Income Fund variable annuity are mostly running financial planning-style businesses with long-term relationships with their clients, the Retirement Income Group (RIG) says.

Retirees not living on Super alone

9 November 2015 - New retirement spending guidelines are being touted as a useful tool for advisers to help their clients work out how much they needed to save for their retirements.

Retirement planning has to start somewhere: FMA

13 August 2015 - It is difficult for people nearing retirement to get access to the financial advice they need, it has been argued.

Retirees have low risk tolerance but high expectations

12 August 2015 - Advisers who want to encourage their clients into less conservative investment options to provide better retirement income may have a hard road ahead of them, new research indicates.

Attitudes to advice cost must change

3 August 2015 - New Zealanders will need an attitude change to accept they will have to pay for financial advice as part of safe decumulation, Auckland University researchers say.

Where will jobs be in 2025?

27 July 2015 - Fund manager investor relations, advice and services personnel are likely to be sought after over the coming years, a new survey suggests. Custodian BNP...

Littlewood retires as Co-Director of RPRC

23 June 2015 - Michael Littlewood will retire as Co-Director of the Retirement Policy and Research Centre (RPRC) at University of Auckland from 1 July, after nine...

Give tax break to retirement income products: Stewart

4 May 2015 - A special tax rate within the PIE regime for investors who convert some of their retirement lump sums to an income product would be more effective than compulsion in New Zealand, it has been claimed.

Rebranding an old warhorse

19 November 1999 - New Zealand Pension Plans, a small super-based company on Auckland's North Shore has rebranded itself and intorduced a new product to the market.

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Full Rates Table | Compare Rates

Lender Flt 1yr 2yr 3yr
AIA 4.55 2.55 2.69 2.79
ANZ 4.44 3.15 3.25 3.39
ANZ Special - 2.55 2.69 2.79
ASB Bank 4.45 2.55 2.69 2.79
Bluestone 3.49 3.49 3.49 3.49
BNZ - Classic - 2.55 2.69 2.79
BNZ - Mortgage One 5.15 - - -
BNZ - Rapid Repay 4.60 - - -
BNZ - Std, FlyBuys 4.55 3.15 3.29 3.39
BNZ - TotalMoney 4.55 - - -
CFML Loans 4.95 - - -
Lender Flt 1yr 2yr 3yr
China Construction Bank 4.49 4.70 4.80 4.95
China Construction Bank Special - 2.65 2.65 2.80
Credit Union Auckland 5.45 - - -
Credit Union Baywide 5.65 3.95 3.85 -
Credit Union South 5.65 3.95 3.85 -
First Credit Union Special 5.85 2.95 3.45 -
Heartland 3.95 2.89 2.97 3.39
Heartland Bank - Online - - - -
Heretaunga Building Society 4.99 3.85 3.95 -
HSBC Premier 4.49 2.45 2.60 2.65
HSBC Premier LVR > 80% - - - -
Lender Flt 1yr 2yr 3yr
HSBC Special - - - -
ICBC 3.69 ▼2.45 2.65 2.79
Kainga Ora 4.43 2.93 3.07 3.24
Kiwibank 3.40 3.30 3.54 3.54
Kiwibank - Offset 3.40 - - -
Kiwibank Special 3.40 2.55 2.79 2.79
Liberty 5.69 - - -
Nelson Building Society 4.95 3.45 3.49 -
Pepper Essential 4.79 - - -
Resimac 3.39 3.35 2.99 3.35
SBS Bank 4.54 3.05 3.19 3.25
Lender Flt 1yr 2yr 3yr
SBS Bank Special - 2.55 2.69 2.75
The Co-operative Bank - Owner Occ 4.40 2.55 2.69 2.79
The Co-operative Bank - Standard 4.40 3.05 3.19 3.29
TSB Bank 5.34 3.29 3.45 3.59
TSB Special 4.54 2.49 2.65 2.79
Wairarapa Building Society 4.99 3.55 3.49 -
Westpac 4.59 3.15 3.29 3.39
Westpac - Offset 4.59 - - -
Westpac Special - 2.55 2.69 2.79
Median 4.55 3.00 3.13 3.02

Last updated: 21 September 2020 10:48am

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