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Succession planning for small businesses

Posted on Mar 8, 2019 by admin

Retirement is a big commitment and even more so for those who are self-employed or run their own business. All the factors that go into the decision to retire are magnified with a business to consider. Selling or closing are not the only paths if you choose to move on, this is why succession planning for your business is a great start for you to see where you want to go. For business owners, planning for your business’s future can be the key to its survival after you leave. With the succession planning process, you will need to set ultimate […]

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KiwiSaver benefits

Posted on Feb 7, 2019 by admin

A KiwiSaver account is a great resource for compiling and saving for your retirement and future security. It is a voluntary, government-run initiative designed to help you financially plan ahead, but what exactly are the benefits? Here are a few ways having a KiwiSaver account would aid you throughout your life. Member Tax Credit:This credit depends on how much you deposit into your account each year. The government will pay 50 cents to every dollar up until you’ve reached the maximum government payment of $521.43.The government will help you save by making an annual contribution to your account as long […]

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Impacts of overseas travel on your KiwiSaver

Posted on Nov 26, 2018 by admin

KiwiSaver members who go overseas for an extended period will not receive all the benefits their accounts usually give them. Find out what you are entitled to when you go away so you can make the right financial moves. Contributions while you are awayYour contributions will automatically stop once you cease work in New Zealand and you may need to contact your KiwiSaver provider about this. However, you can make voluntary contributions at any time while you are away. Refer to KiwiSaver information on how to do this. Benefits you are eligible forYou will not receive a member tax credit […]

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KiwiSaver investors should stay calm after market drop

Posted on Oct 26, 2018 by admin

The Retirement Commissioner Diana Maxwell has urged KiwiSavers to remain calm after the steep decline in world share markets has affected savings. The NZX-50 Index dropped 3.65 per cent on 11th October and had since slowly edged up by 1.17 per cent. Maxwell urged KiwiSaver investors to remain calm and refrain from meddling with their funds. She advised that any long-term investment will fluctuate but riding out economic downturn is the best option and your balance will inevitably rise. You should avoid switching funds, providers or suspending your super contributions as the fees or decline in the growth of your […]

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Divorce and your KiwiSaver

Posted on Aug 29, 2018 by admin

Going through a divorce is an extremely difficult experience; among the emotional challenges are the financial issues, particularly when you consider what will happen to your KiwiSaver? The good news is the balance in your KiwiSaver prior to the relationship is safe and will not be divided between you and your partner when you divorce. However, the amount in funds contributed, and the growth incurred in your KiwiSaver during the relationship falls under the category of relationship property and as such is to be divided equally amongst a divorcing couple. Regardless of whether the value is made from government contributions, […]

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KiwiSaver for new employees: what you need to know

Posted on Aug 3, 2018 by admin

Upon hiring a new employee, there is a range of obligations and responsibilities you will have to meet when it comes to KiwiSaver. Start the enrolment process Firstly, you will be required to check whether they are eligible to join KiwiSaver. The employee needs to be enrolled in KiwiSaver (providing they are eligible for automatic enrolment) unless you offer an approved alternative superannuation scheme. You must provide every new employee with KiwiSaver information (KS3), including a KiwiSaver deduction form (KS2) and an Opt out request (KS10) form. Ensure you keep a copy of the KS2 form for your records. If […]

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KiwiSaver mistakes

Posted on May 11, 2018 by admin

If you have joined KiwiSaver, you are already heading in the right direction towards building a steady nest egg. However, joining KiwiSaver without much consideration of your type of fund or investment goals can be detrimental to your final retirement balance. Here are three KiwiSaver mistakes to avoid: Choosing the wrong fund Sticking with your default fund is one of the biggest mistakes you can make with KiwiSaver. Many Kiwis do not realise they can change funds to better suit their age, investment goals and experience. It’s a good idea to check the fees and performance of your current fund […]

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The in’s and out’s of asset allocation

Posted on Mar 16, 2018 by admin

Deciding where to allocate your assets can be confusing and even daunting, particularly if you aren’t confident in your knowledge of the current financial sphere. Consider the following in’s and out’s of asset allocation to make the process much easier: Set goals Goal-setting is extremely important, particularly when it comes to your money. When deciding where to allocate assets, you should set both short-term and long-term goals. If you are planning to save for a vacation or a new car, this would be a short-term goal, a mortgage would be a medium-term goal and your nest egg would be a […]

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Making the most of share market volatility

Posted on Feb 16, 2018 by admin

When share markets drop, it is not uncommon for investors to feel threatened and anxious about their investments. Luckily, there are strategies you can adopt when share markets fluctuate, in order to use the volatility to your advantage. Consider the following: Patience One of the greatest tools you can have when it comes to investing, in any market, is patience. Many investors react when there’s market volatility and start shifting their money and pulling their investments, ultimately resulting in them losing their money. You need to be patient and understand that the nature of share markets is for them to […]

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Secrets to a savvy SMSF

Posted on Jan 17, 2018 by admin

Opting for a self-managed super fund (SMSF) can be a clever financial decision, but it’s not for everyone. If you aren’t prepared to adhere to the following tips, your SMSF will most likely fail to perform as well as you would of hoped it to. Stay informed You can’t expect your SMSF balance to be the most profitable for you in your retirement phase if you don’t remain educated on the vastly changing compliance laws. Remaining up-to-date with these changes, and how they impact upon your nest egg is an essential aspect of making your SMSF work for you, your […]

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