kiwisadvice.co.nz

04/03/2024

Too many bee analogies maybe...but you'll get the point 🐝

Imagine your KiwiSaver as a diligent bee in the vast garden of your financial future. 🐝 Just as bees tirelessly gather nectar to produce honey, your KiwiSaver works hard, navigating the market's flowers and storms, to build a sweet reserve for your retirement. But, not all bees are alike, and not all gardens yield the same bounty. To ensure your financial bee gathers the most nectar, you must place it in the garden most suited to its nature and your goals.

This means choosing the right KiwiSaver fund is akin to selecting the best garden for your bee. A growth fund, vibrant with high-risk, high-reward flowers, may suit those with time on their side and a taste for adventure. Meanwhile, a conservative fund, with its sturdy, low-risk blooms, might be perfect for those closer to enjoying their honey. 🌸🌼

Just as a wise beekeeper checks on their hives, adjusting their location based on the seasons and the bees' needs, so too should you regularly review your KiwiSaver. The financial climate changes, and your personal circumstances evolve. Your bee might need to buzz in a different part of the garden to maximise its nectar collection as these changes occur.

Moreover, don't forget to feed your bee. Regular contributions to your KiwiSaver are like the water and care you give to a garden, ensuring it remains a lush, inviting place for your bee to work. The more you contribute, the harder your bee can work for you, turning nectar into the golden honey of your retirement.

So, let's make sure your KiwiSaver bee is in the right place, making the most of the opportunity for you 🍯

Our five-minute free review gives you an great overview of how hard your KiwiSaver is working for you: www.kiwisadvice.co.nz/free-kiwisaver-report/

29/02/2024

In the journey towards financial freedom and security, understanding your 'why' is the compass that guides your path. It's the driving force behind every decision, every sacrifice, and every step forward.

Your 'why' is deeply personal and incredibly powerful. It's not just about the goals you set; it's about the reasons behind those goals, the motivations that stir you to action even when the road gets tough.

For many, including myself, family stands at the heart of our 'why'. Whether it's providing for our children, ensuring a comfortable retirement with our partner, or leaving a legacy that extends beyond our time, our loved ones are often our biggest motivators.

Take, for instance, this picture of my family. They are the reason I delve into the intricacies of investment, savings, and fiscal responsibility. My family is not just in the background of my financial planning; they are at the very centre of it.

Your 'why' might be different. Perhaps it's a personal dream you've harboured for years, a community project you're passionate about, or the desire to achieve financial independence to explore the world. Whatever it is, embrace it. Let it be the fuel that powers your journey.

As we navigate the complexities of financial planning, let's not lose sight of our 'why'. It's what makes the challenges worthwhile and the victories so sweet. If you're ever in doubt or find your motivation wavering, take a moment to reflect on your 'why'. It's the strongest foundation you can build your financial future on.

So, I encourage you today to take a step back and think about your 'why'. Share it, celebrate it, and let it guide you towards the financial future you envision. 🌟💼👨‍👩‍👧‍👦

27/02/2024

Top Performing KiwiSaver Funds into 2024 – Ranked
The results are in and we’ve now got definitive answers for the top performing KiwiSaver funds heading into the 2024 calendar year, with KiwiSaver funds generally rebounding in 2023 from a rough 2022.

Take a look at the standings across major fund categories and see whether your current KiwiSaver fund ranks as a top performer. 2023 was a year of recovery for the most part, with total funds invested in the KiwiSaver scheme now over $96 billion by the end of September.

Here we share all the ranked results: https://bit.ly/3I0gCmG

If you'd like a recommendation to make sure that you’re not only invested in a top performing KiwiSaver fund, but one that aligns with your goals and values, please feel free to fill out our online fact find. This online fact find takes no more than 5 minutes to complete, and once submitted we will send you a free no-obligation KiwiSaver recommendation. 📋 https://bit.ly/3T2JqBx

Any questions let me know,

Tim

Definitive answers for the top performing KiwiSaver funds heading into 2024. Take a look to see if your KiwiSaver fund is a top performing one

26/02/2024

I'm here to help you at every step of your KiwiSaver journey...from initial set-up to managing the funds at 65.

Jump on a free call - let's see what you need to make sure KiwiSaver helps you in the best way at every stage of the investment.

Thanks, Tim

22/02/2024

Reaching the milestone age of 65 with a KiwiSaver nest egg is an achievement worth celebrating! 🎉 But, before you think about withdrawing your hard-earned savings to stash them under your pillow, let's talk strategy. The reality is, with life expectancies rising, you might be looking at another 25 to 30 years of adventures, dreams, and, yes, expenses. 🌟🛳️

This is why it's crucial to pause and consider the best home for your KiwiSaver funds post-65. Instead of withdrawing everything at once, think about the potential benefits of keeping your investments in a growth fund. 📈 Why? Because the journey doesn't end at 65. In fact, it could be just the beginning of a new chapter where your money continues to work for you, potentially growing even further to support your lifestyle in the years to come.

Let's embrace the future with confidence and be savvy. By carefully assessing where your KiwiSaver is invested, you can make informed decisions that align with your long-term needs and aspirations. Whether you dream of globe-trotting, indulging in hobbies, or simply enjoying the peace of mind that comes with financial security, your KiwiSaver can play a key role in making those dreams a reality.

Remember, retirement planning doesn't stop at retirement. It's about ensuring you have the resources to live your best life, for all the years to come. If you're curious about how to optimise your KiwiSaver strategy post-65, I'm here to help navigate those decisions.

Thanks for reading /watching!, Tim

You can reach me here: www.kiwisadvice.co.nz

21/02/2024

Are you dreaming of stepping into your very first home, using your KiwiSaver as the key to unlock that front door? 🏡✨ If you're pondering whether your KiwiSaver fund will stack up to get you the house you've set your heart on, you're not alone. The reality for many is that to bridge the gap between dream and doorstep, boosting your KiwiSaver contributions could be the game-changer.

Let's dive deep into this together. 📊💼 Increasing your contributions isn't just about setting aside more money each month; it's about strategically accelerating your journey to homeownership. With a little bit of planning and some savvy saving, your dream home might not be as far off as you think.

Remember, your KiwiSaver isn't just another savings account. It's a powerful tool designed to work for you, helping to turn your homeownership dreams into reality. Whether it's adjusting your contribution rate, choosing the right fund type, or simply understanding how to make the most of your KiwiSaver benefits, I'm here to guide you through it all.

Let's make your first home more than just a dream. By optimising your KiwiSaver contributions, we can take significant steps towards making it your reality. Reach out, and let's discuss how we can boost your fund to get you closer to the keys to your very own home, cheers Tim (Yes, I hate being on camera but I love helping you get the keys to your first home)

04/02/2024

As a kid growing up on a farm, I was always surrounded by the principles of good financial management. My father, who skillfully managed the farm's finances, instilled in me the importance of being prudent and strategic with money. Our farm was a testament to his excellent bookkeeping, and it thrived under his watch.

This environment naturally fostered my interest in finance. I fondly remember family evenings spent playing games like Monopoly and Cashflow, which were not just games to me but early lessons in financial strategy. My love for finance was further fuelled by books like "Rich Dad Poor Dad," which helped me understand the nuances of personal finance and wealth building.

My journey in the world of finance took a more formal turn when I became a Chartered Accountant. This role was immensely valuable, as it gave me a solid foundation in financial principles and practices.

However, as much as I respected this profession, I realised my true passion lay not in looking back at financial histories but in looking forward, helping people grow their wealth.

This led me to transition into the world of investment, particularly focusing on KiwiSaver, a crucial tool for New Zealanders to secure their financial future.

I am Tim Waldon, and my mission is to help Kiwis transform their hard-earned income into long-term wealth. Investing, to me, is far from boring – it's a thrilling journey where each decision can significantly impact your financial future.

Through my experience and knowledge, I aim to make this journey as rewarding as possible for my clients.

KiwiSaver, with its unique benefits and opportunities, is a fantastic vehicle through which New Zealanders can achieve their financial goals.

Every day, I get to help people in navigating the often complex world of investments, simplifying it for them, and laying out a path that leads to financial security and prosperity. My approach is always personalised because I believe every individual has unique financial goals and circumstances.

I take immense pride in seeing my clients achieve their financial dreams, be it buying their first home, saving for a comfortable retirement, or simply growing their wealth.

My commitment is to continue to serve New Zealanders with the same passion and dedication that I've had since those early days on the farm, playing Monopoly and dreaming about the world of finance. Let's embark on this journey together to turn your income into lasting wealth. It's never too late to start.

I might not love going in front of the camera (ha ha under statement!) but I love what I do and if I can help you, please get in touch.

29/08/2023

Your financial well-being and future life deserves expert attention. With our 5-minute KiwiSaver Recommendation you get a personalised and free report of your current KiwiSaver fund.

Imagine your retirement and the trips you can plan when your financial future is secure. Where will you go? Paris? Bali? Vegas? Staying closer to home?

Don't leave your future and all those exciting trips to chance. Take advantage of our professional guidance https://bit.ly/3Nkxfgg

22/08/2023

Jumping out of a plane needs lots of planning and trusting the pros with you. Let us help you review and understand your KiwiSaver fund's performance, risk factors, and growth opportunities.

Staying informed empowers you to make wise investment decisions for your future.

www.kiwisadvice.co.nz

18/08/2023

🚀 Have you taken a moment to review your KiwiSaver fund recently? Understanding your investment is crucial to maximising returns.

Our '5-minute KiwiSaver Recommendation' tool provides a personalised, free report tailored to your investment needs. Take control of your financial future. It literally takes 5 minutes and it could mean a much bigger nest egg for your retirement.

>>>www.kiwisadvice.co.nz/free-kiwisaver-report

17/08/2023

🏠 Buying your first home? You may be eligible to withdraw some of your KiwiSaver savings to put towards the purchase. Be sure to check the criteria and consult with a financial expert to guide you through the process.

15/08/2023

KiwiSaver Tips: 🚀 Ready for a career change? Your KiwiSaver account follows you from job to job. Make sure to keep your details updated with your provider to maintain control over your investment.