Easy Financial Services Limited – Loan Insurance KiwiSaver

Why Insurance Important?

We all agree that the insurance business is there to help people who are really in need. It is interesting that most people are happy to buy insurance for their cars, houses, contents, and the like, but neglect the need to insure their own ability to earn. The prices they pay for these insurance products are quite similar. However, the loss of the ability to earn significantly outweigh the costs of replacing a car, a house, and contents. The numbers in the picture show that how big the risks the human beings are facing. Have you asked yourselves the question that how you are planning to manage risks?

Riding out market turbulence

Riding out market turbulence

What happened?
Tariffs have been a rollercoaster in recent weeks. On-again, off-again pronouncements from President Trump have wiped almost 10% from the Australian and New Zealand market since the start of February, eroding all the gains of the last few months.

Will markets rebound?
Markets often rise and fall in value, but history shows that they recover and grow in the long run – even through world wars, global pandemics and recessions. It’s important to remember that market volatility is a normal part of investing.

What should you do?
We recommend staying the course and not reacting to short-term fluctuations – instead focus on the long-term potential of your investment and wait for markets to recover and grow.

If you are concerned, we’re here to help.
I recommend talking to an adviser before making any changes to your investment, so you can understand the impact any changes may have. They can review your risk profile and investment timeframe to help you assess the best approach.

https://www.youtube.com/watch?v=_OW8Tgs86II&t=1s

Accuro KidSmart is a special product that allows a guardian to take out health insurance for their children, grandchildren or dependants without having to take out cover for themselves.
Designed specifically for their needs, KidSmart helps children get the cover that they need when they need it, removing the worry of long wait times for treatment or surgery and giving parents more control in prioritising healthcare for their child.

IMAGINE 3 MONTHS ON AIA

Enjoy 1 month’s premium free When you buy any new eligible AIA policy between 18 September 2024 and 31 March 2025, and have the resulting policy issued by 30 April 2025.
Enjoy 2nd month’s premium free When you add and activate the AIA Vitality membership within 6 weeks of the policy being issued.
Enjoy 3rd month’s premium free When you reach Silver Status with AIA Vitality within 10 months of activating the AIA Vitality membership. T&Cs apply

Generate KiwiSaver Online Application

Why should you choose Generate KiwiSaver?

Market-leading long-term performance. In the latest Morningstar KiwiSaver Survey to 31 January 2025, for10-year returns, Generate KiwiSaver Focused Growth Fund was ranked 1st out of 8 funds in the Aggressive category with a return of 9.99% p.a.
Exceptional and award-winning service
Responsible investing
Empowering technology, handy and easy-to-use app Active management, means it carries out extensive research on all prospective investments and actively monitors their performance to make the most of market opportunities.
Kiwi-owned and operated
Adviser Disclosure Statement can be read here.

Easy Financial Services Limited – Auckland, New Zealand
www.ezymortgages.co.nz – patwang88@hotmail.com

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The Difference of NZ and Australia Retirement Systems?

What Are The Differences of NZ & Aussie Retirement Systems?

New Zealand’s retirement system involves a voluntary savings scheme (KiwiSaver) with auto-enrolment. Introduced in 2007. Employers are required to match employees’ KiwiSaver contributions to a cap of 3%. Approximately 1 in 10 employers contribute at a higher rate. Besides the voluntary savings system, New Zealand has a universal public pension (New Zealand Superannuation, or NZ Super).

By contrast, Australia’s system consists of a compulsory savings scheme. The Australian Superannuation Guarantee, introduced in 1992, is wholly funded by employer contributions, currently at the rate of 11.5% (soon to move to 12%) of an employee’s salary or wages. In addition to this, they have a means-tested government pension (the Age Pension).

What are costs and benefits?
For New Zealand
The New Zealand system is more equitable due to the universal nature of NZ Super and its simplicity, meaning more efficient administration and less cost. As NZ Super is income indexed, over time it may become less affordable. Due to the universal nature of NZ Super, KiwiSaver plays a different role from the compulsory Australian Superannuation Guarantee regime.
New Zealand’s system is pay-as-you-go, with the next generation’s taxes being used to fund the retirement of today’s workers ‒ a significant risk.

For Australia
Australia’s pre-funded system places a lower burden on future generations, but that tax incentives within that system are expensive.
Australia’s system has a greater effect on savings, which can boost investment, but on the other hand, it discourages labour force participation, inhibiting growth.

What can New Zealand learn from Australia system?
The introduction of the Superannuation Guarantee and its incremental increases boosted national savings by about 1.5% of GDP as of 2011, and will likely reach 3% some time after 2040. The increased savings enable economic growth by providing a crucial source of funds for domestic investment, driving labour productivity and higher future living standards by reducing its reliance on foreign finance.

Australia has demonstrated the pivotal role that increased national savings can play in achieving economic growth and stability. New Zealand can learn from these insights and develop further opportunities to benefit its own system.

12 months free child health cover

At nib we believe that health comes first. Give the gift of health insurance. 12 months free child health cover per new adult on the same policy. For a limited time, for every adult covered by a new Ultimate Health, Ultimate Health Max or Easy Health policy, before 28 February 2025, one child will be covered FREE for a year with our Base Cover.