Now’s a good time to review your KiwiSaver 

Every year around this time, Kiwisaver members would receive an annual statement from their fund managers. This provides a summary of what’s happened in your KiwiSaver account for the year to 31 March. Taking some time to review and understand your annual statement is a great way to see if you’re on track for the kind of retirement you want, or if you need to make changes now to secure a better financial future. The aim is to help you get a better understanding of how much money you could have in your KiwiSaver account when you turn 65, and the weekly income in retirement this amount would provide.

• Choosing the right fund will help you reach your goals. The difference in returns between a conservative fund and a growth fund over a lifetime can be hundreds of thousands of dollars. Things change in life so it’s important to regularly check that you are in the right fund based on your appetite for risk and investment timeframe.
• Look forward to more at retirement, by increasing your contributions now. Once you have made the right fund choice, the next best way to grow your KiwiSaver account is to increase your contribution rate. The difference between 3%, 4%, 6%, 8% or 10% may seem small, but thanks to compounding returns overtime these extra contributions can really add up! If you can afford it, you should consider increasing your contributions.
• Make sure you qualify for the $521.43 Government contribution every year If you’re eligible. The Government will contribute 50 cents for every dollar you contribute to your KiwiSaver account, up to a maximum of $521.43 each year. If you can afford to contribute enough to get your Government contribution it is well worth it. If you are not working, you can still qualify for the Government contribution – consider setting up a direct debit so you don’t miss out on this generous benefit next year. You’ll need to contribute at least $1,042.86 before the end of June 2025 to get the maximum amount.

Why to join Generate KiwiSaver? 

• The Generate Focused Growth Fund ranked 1st out of 8 NZ Multi-Sector Aggressive Category Funds for 10-year results to 31 March 2024 boasting an impressive 10.5% annualised return.
  This is the highest return for any multi-sector KiwiSaver fund in the Morningstar Aggressive, Growth, Balanced, Moderate, or Conservative categories for 10-year returns over this period.
• The Generate Growth Fund ranked 2nd out of 14 NZ Multi-Sector Growth Category Funds for 10-year results to 31 March 2024 with a 9.6% p.a. return.
• The Generate Moderate Fund ranked 1st out of 12 NZ Multi-Sector Moderate Category Funds for 10-year results to 31 March 2024 with a 6.0% p.a. return.

Generate KiwiSaver Online Application

Some tips for your consideration:

• Past performance is not necessarily an indicator of future performance and returns over different periods may differ
• Growth funds will always outperform defensive funds in a long term;
• The longer term you have until retirement, the more growth funds you can hold;
• Seek financial advice where you think it might be helpful.
• Adviser Disclosure Statement can be read here.

Please be noted that the above is a general guide only and not financial advice, nor financial advice service.

For a limited time, Nib if offering 3 months of free premiums* after you’ve paid your first month.
Simply sign up to an Easy Health, Ultimate Health Max or Ultimate Health policy through nibAPPLY or the Fidelity Life E-App before 30 September 2024, you will get  comprehensive health cover with a three month premium break.

AIA one month free cover

Imagine to receive 31%.off premiums across the first year as easy as 1,2,3
1. One Month’s Premium Free
2. Multi-Benefit Discount
3.AIA Vitality

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

We sent out this newsletter to all existing customers. and contacts
If you want more information about our privacy policy, please visit this page.

If you no longer wish to receive these emails, simply click on the following link Unsubscribe.

©2024 Easy Financial Services Limited. All rights reserved.

Can we learn something from this story?

• “I made the decision that if my life was going to be shortened then I was going to live it by my terms. So live the life that you want to live every day and just enjoy it”
• “Golf teaches you a lot in terms of there’s always a bad bounce, there’s always a bad shot but it’s how you deal with the situation that makes you better”
• “When things a tough try and enjoy the challenge along the way”
• “These sorts of things are going to happen to a lot of people, just don’t give up especially if you’ve got people who count on you”
• “So if you find yourself in a bit of strife whether it be physical or mental, just keep going because the next day can be better”

For a limited time, Nib if offering 3 months of free premiums* after you’ve paid your first month.
Simply sign up to an Easy Health, Ultimate Health Max or Ultimate Health policy through nibAPPLY or the Fidelity Life E-App before 30 September 2024, you will get  comprehensive health cover with a three month premium break.

mynib app 

mynib app is full of functionality and is the fastest and easiest way for nib clients to submit a claim or a pre approval. To make it easier to use the app, the following is a handy ‘how to’ video so you can get familiar with how it all works, and then you can use it as a practical guide.

AIA one month free cover

Imagine to receive 31%.off premiums across the first year as easy as 1,2,3
1. One Month’s Premium Free
2. Multi-Benefit Discount
3.AIA Vitality

Property values down 2.5% from cyclical peak

CoreLogic’s updated, hedonic Home Value Index (HVI) showed a 0.5% fall in values across NZ in July – the fifth monthly fall in a row – taking the total decline from February’s ‘mini peak’ to 2.5%.

Health Insurance Helps Meet Challenges in the Public Health

Health New Zealand Quarterly Performance Report ending March 2024 showed that New Zealand’s health system is struggling to keep up with the number of Kiwis needing health support. People waiting more than four months for their first specialist assessment has increased to over 77,700 people – an increase in volume of nearly 10,000 people or 13% since the quarter before.

Generate KiwiSaver Online Application

Generate is an award-winning New Zealand owned KiwiSaver and wealth manager, with a track-record of strong long-term performance and industry recognition for its community and environmental impact investments.
Some tips for your consideration:

• Past performance is not necessarily an indicator of future performance and returns over different periods may differ
• Growth funds will always outperform defensive funds in a long term;
• The longer term you have until retirement, the more growth funds you can hold;
• Seek financial advice where you think it might be helpful.

Please be noted that the above is a general guide only and not financial advice, nor financial advice service.

How Much Do You Know About
KiwiSaver and Managed Funds?

Your funds in your KiwiSaver are invested by fund managers into different asset types. Each asset type represents a level of earning and risk. Get to know more about KiwiSaver investment, you may have bigger possibility to earn more. Therefore, an informed investment in Kiwi/Saver and Managed Funds, will likely bring you hundreds of thousands of dollars more in your investment accounts. Interested in investment? Click to register a one-on-one informative talk on KiwiSaver and Managed Funds.

For your fire and general insurance

When it comes to covering your most important assets, Stylecover is the easy choice for many New Zealanders. From home and contents through to car, boat and travel, Stylecover works with New Zealand’s most trusted insurance brands to find a solution that will work for you.

Canstar’s Insurer of the Year – Home & Contents, 2024

Any eligible policy with Tower will give you the chance to win a $1,000 home boost before 20 July 2024. They’ll need to have an active eligible policy with Tower on the draw date, 26 August 2024, to remain in the draw and secure your chance to win.

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

We sent out this newsletter to all existing customers. and contacts
If you want more information about our privacy policy, please visit this page.

If you no longer wish to receive these emails, simply click on the following link Unsubscribe.

©2024 Easy Financial Services Limited. All rights reserved.