OnTrack with Milford

How can you make your money work for you when markets are volatile? Milford’s Head of Wealth Management, Philip Morgan Rees, talks with Toni, Jase and Sam on Coast, about why markets don’t like uncertainty, why staying the course is wise, and the upside when share prices fall.

Diversification is something everybody recommends – but what exactly does it mean or look like?  Financial Adviser Jess Travers talks with Toni, Jase and Sam on Coast, about the four main investment types in New Zealand, and how each performs differently at different times in the economic cycle.

Investing can seem daunting from the outside but, as Financial Adviser Jess Travers explains, it’s easy to get started, and you don’t need much. She shares some tips with Toni, Jase and Sam on Coast, about how to take the first step into the world of investing. 

Need some top money tips for your 20s? Senior KiwiSaver Adviser Liam Robertson talks to Bree and Clint from ZM about what you can do to set yourself up for financial success.

What’s the best way to cut down credit card use? Milford Financial Adviser Gareth Stythe shares some tools with Toni, Jase and Sam on Coast, to help determine wants from needs, and take control of credit card debt.

If you’re in your 20s, Milford Senior KiwiSaver Adviser Liam Robertson has some great tips for getting on the path to financial security. He talks to PJ and Matty from The Hits about three key things you can do to help you reach your money goals.

The average KiwiSaver balance has risen to $37,000 (up $5,000) over the past year, according to stats released by the Retirement Commission. Milford Senior KiwiSaver Adviser Liam Robertson talks to Bree and Clint from ZM about proposed changes to raise that number even higher, including increasing the minimum contribution rates from 3-4%.

How would your KiwiSaver balance change at 65, if minimum contribution rates were raised from 3% to 4%, and matched by your employer? Milford Senior KiwiSaver Adviser Liam Robertson talks to PJ and Matty from The Hits about the Retirement Commission’s review to increase rates, and why it’s the right time to consider this.

If you have money invested, sell-offs are a part of the process, but are they are a reason to make changes to your investment? Milford Financial Adviser Gareth Stythe explains to Toni, Jase and Sam on Coast, why it’s important to be prepared for the ups and downs, and how to stay the course.

Most people would like a “choices” retirement rather than “no frills” – but is that achievable? Milford Senior KiwiSaver Adviser Liam Robertson gives Bree and Clint from ZM some guidance on setting your retirement goal, and how to reach it.

Massey University’s annual retirement report shows that couples in metro areas will need $1,740 per week to live a “choices” retirement once they reach 65. This compares to the $800 per week (after tax) couples receive from Super. Milford Senior KiwiSaver Adviser Liam Robertson talks to PJ and Matty from The Hits about how to set your own retirement goal, and reach it.

We’re a DIY nation, but sometimes we need expert advice – especially when it comes to finances and investments. Milford Financial Adviser Nicky Reid explains to Toni, Jase and Sam on The Coast, the benefits of advice – as proven by research – including getting on track and staying on track to meet your money goals.

Research has shown that overall wellbeing is closely linked to financial wellbeing. So, how can you check if you’re on track to reach your financial goals? Head of KiwiSaver at Milford, Murray Harris, talks to PJ and Matty from The Hits about the types of advice that are available at Milford, and the proven benefits advice provides.

What are some of the things you need to consider when setting financial goals – and why are goals important? Milford Financial Adviser Nicky Reid explains to Toni, Jase and Sam on The Coast, that if you don’t know where you’re going financially, how do you get there.

What does digital advice involve? Head of KiwiSaver at Milford, Murray Harris, gives Bree and Clint from ZM some guidance on accessing free digital advice using Milford’s online tools.

What are the key questions when choosing a KiwiSaver provider?  Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, gives Bree and Clint from ZM some guidance on making an informed choice.

How can you make your money work harder? Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks to PJ and Matty from The Hits making active decisions and asking the right questions about your fund manager.

Accumulation, pre-retirement and retirement are different stages of life, with unique goals. Milford’s Head of Wealth Management, Phil Morgan Rees, chats with Toni, Jase and Sam on The Coast about how you can make the most of each stage and help to take out the volatility of assets that you’ll need at the start of retirement.

Head of KiwiSaver at Milford, Murray Harris, gives Bree and Clint from ZM some guidance on setting up an investment fund alongside your KiwiSaver – giving you flexibility to save for a shorter-term goal.