Cranfield Group

28/08/2026

KiwiSaver has changed a lot since it launched in 2007, and so have the circumstances of many of the people who joined along the way.

Contribution rates, government incentives and default fund settings have all evolved, while KiwiSaver has grown to more than three million members.

But being a KiwiSaver member doesn’t necessarily mean your current settings are still right for where you are today.

Our latest article looks back at how KiwiSaver has changed over almost 20 years, what the latest member data tells us, and why it can be worth reviewing your contribution rate, fund choice and other settings from time to time.

20/08/2026

Money habits can run deep, especially when they’ve been built over a lifetime.

That can make conversations with parents about spending, banking or changing the way they manage money a little tricky. What looks like resistance to change can sometimes be something else entirely: caution, experience, or simply a different idea of what feels trustworthy.

This thoughtful piece explores why changing money habits is often about much more than learning new technology, and why a little understanding can go a long way.

Lynda Moore finds that resistance to change is more about attitudes of trust than not wanting to try 'new and better' options

14/08/2026

An emergency fund is there for the expenses you didn’t see coming. But where you keep it can make a difference.

Keeping emergency savings in a separate account can help give that money a clear purpose, while still keeping it accessible when you genuinely need it. Sorted looks at why this simple approach can make an emergency fund easier to protect from everyday spending.

Worth a read.

Does your emergency fund need its own account? Not strictly, but it helps. Here’s why a separate account works, where to keep it, and how to set one up.

07/08/2026

Retirement can feel a long way off, but the decisions you make along the way can help shape the options available later.

Building savings outside of day-to-day spending can be one way to prepare for the lifestyle you want in retirement, particularly as your goals and circumstances change over time.

At Cranfield, we can help you consider your retirement savings strategy and how it fits within your wider financial plans.

Learn more:

For many people, retirement is still a long way in the future and they believe they can ‘think about that later’.

31/07/2026

Insurance may not be the most visible part of a financial plan, but it can become one of the most important when life takes an unexpected turn.

A serious illness, injury or loss of income can affect more than your health. It may also put pressure on mortgage repayments, household costs, savings and longer-term plans.

The right cover can provide financial breathing room, helping you and your family focus on recovery rather than making difficult financial decisions.

This article looks at the role different types of personal insurance can play, and why it is worth reviewing your cover as your circumstances change.

24/07/2026

Financial needs can change as life moves on.

We provide advice across wealth management, KiwiSaver, personal insurance, UK pension transfers, Australian super transfers and superannuation.

Learn more about our services and how we may be able to support you: www.cranfieldgroup.co.nz/our-services

17/07/2026

Market falls can make investors feel they need to act quickly, but reacting at the wrong time can turn a temporary decline into a permanent loss.

This article explains what “locking in your losses” means, why switching investments during a downturn can have long-term consequences, and how an appropriate risk profile and time horizon can help you stay focused on the bigger picture.

09/07/2026

Compound interest can be a powerful part of long-term saving and investing.

The basic idea is simple: your money earns returns, and over time, those returns can earn returns too.

Whether it’s through regular savings, a KiwiSaver account, or other investments, starting early and staying consistent can make a real difference.

Read more about how compounding works and why time matters.

03/07/2026

Your financial plan should reflect what matters most to you.

At Cranfield, we provide advice across insurance, investments and KiwiSaver, with a focus on helping individuals, families and businesses make informed financial decisions.

Visit our website to learn more about our services or get in touch to arrange a review:https://www.cranfieldgroup.co.nz/

26/06/2026

Who owns your personal insurance policy can be just as important as the cover itself.

Policy ownership may affect who controls the policy, who can make changes, and how a claim payment may be managed.

Changes in your relationship, family, property, business or estate planning arrangements can be a good time to revisit whether the current structure still reflects your intentions.