Easy Financial Services Limited – Page 5

投资选择：管理型基金, 或是定期存款？

管理型基金: 管理型基金是基金公司将所有投资者的资金汇集在一起，并由其专业基金经理团队投资于当地和国际市场。其优势如下：

专业管理使投资变得简单易行。经验丰富的基金经理团队负责管理投资者的资金，让投资者从资产多样化的投资组合中获取收益；
管理型基金具有高回报的潜力。投资有风险，投资回报没有保证。但从长期投资来看，管理型基金有可能获得更高的回报，特别是投资于成长型基金类型（Growth Fund）;
管理型资金易于提款。一般情况下，一次性提款 (lump-sum) 的最低金额为伍佰元，或者定期分次提款的最低金额为一百元，如选择每周、每两周或每月定期提款一次；
管理型基金投资多样化：管理型基金将投资分散在各种资产上，避免将所有鸡蛋放在一个篮子里的风险。

但有一点要记住，管理型基金是一种投资，投资都涉及风险，投资者无法改变的许多外部因素都会使其价值上下波动，如地缘战争，或政治波动。为确保基金投资符合你的的风险承受能力和投资目标，投资前请咨询你的金融顾问。管理型基金被设计为长期投资，可能不适合短期投资者。

定期存款：定期存款属于收入型资产(income assets) 投资的一个类型，它被视为一种更加保守的投资方式。定期存款是以事先确定的利率和固定的期限将资金借给银行或金融机构。它的主要特征是：

资本保值：定期存款被视为低风险投资。资本通常是安全的，投资者在约定的期限结束时收到本金和利息。
收益固定：定期存款有固定的收益。固定期限开始时约定利率，固定期限结束时获得利息。由于其投资风险较低，回报率通常低于管理型基金。
适合于保守的投资者：设立定期存款很简单。投资者选择期限（如6个月、1年）和存款金额，利率也相应确定。

主要考虑的因素：定期存款通常会按照约定的期限锁定下来。在锁定期间它的利率不会受市场利率变动的影响。如果需要在固定期限内取款，可能会被要求缴纳一定的费用 .

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.

How to get up to 3 months premium free

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 30th June 2024, for 10 year returns, The Generate KiwiSaver Focused Growth Fund was ranked 1st out of 8 funds in the Aggressive category with a return of 10.09% 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

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.
Product Disclosure and Brochure can be downloaded here

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

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.

Save $150 on every Eligible House or Landlord policy with Tower

With Tower, you can enjoy a $150 discount on every eligible house or landlord policy. Plus, if you bring other insurances under one roof, you could save up to 20% with Tower’s multi-policy discount.

Easy Financial Services Limited -Auckland, New Zealand
www.ezymortgages.co.nz
patwang88@hotmail.com
027 263 7878

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Home Loans Special

This rate is only available for first home buyers in residential Homes with at least 20% equity and Residential Investing Lending with at least 30% equity, or First Home Loans with at least 5% equity. Other special rates are: 5.69% p.a. for 2 years fixed, 6.15% p.a. for 1 year fixed.

Business Loans for Your Business

For whatever purpose for your business, you can apply for a loan or a line of credit from $2,000 up to $500,000, we’re here to help fuel your business with fast, flexible funding solutions.
Line of Credit Features:

Only pay interest on funds being used
Make additional principal repayment at any time
Access funds wherever and whenever online.