OnTrack with Milford

Things are looking up for young KiwiSaver investors, thanks to changes in the government's recent budget. Milford Senior KiwiSaver Financial Adviser, Liam Robertson, talks to Bree and Clint from ZM about the changes ahead for 15-17-year-olds.

Are you starting to panic over global conflict and how it could affect your investments? Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on Coast, about the reasons things aren't as uncertain as the seem.

Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks to PJ and Matty from The Hits about three key changes to KiwiSaver which were announced in the recent Government Budget. He talks through how those changes might affect you, and what it could mean for your future retirement savings.

It's not too late to receive the $521 Government KiwiSaver contribution – but you need to be quick. Head of KiwiSaver at Milford, Murray Harris, talks to Bree and Clint from ZM about how to ensure you receive the full – or partial – payment by meeting all requirements before 30 June.

Are you on track to receive the full KiwiSaver government contribution?  Head of KiwiSaver at Milford, Murray Harris, talks to PJ and Matty from The Hits about what you need to do before the deadline of 30 June, to ensure you don't miss out.

Did your KiwiSaver balance dip through the April market volatility? Head of KiwiSaver at Milford, Murray Harris, talks to Bree and Clint from ZM about why ups and downs are normal and not a reason for concern.

Are you worried about your KiwiSaver balance with all the uncertainty in the world? Head of KiwiSaver at Milford, Murray Harris, talks to Bree and Clint from ZM about why you don't need to panic. 

Research has shown that women retire on average with 25% less money than men. Milford Financial Adviser Nicky Reid explains the reasons why to Toni, Jase and Sam on Coast, including time out of the workforce and level of income.

Do you need significant wealth to start investing? Milford Financial Adviser Nicky Reid debunks with myths with Toni, Jase and Sam on Coast.

So, you've retired – what now? Milford's Head of Wealth Management, Philip Morgan Rees, talks with Toni, Jase and Sam on Coast, about why a retirement investment strategy is important to ensure your money lasts as long as you do.

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.

KiwiSaver is great if you're saving for your first home or retirement, but is it the best option for young children? Head of KiwiSaver at Milford, Murray Harris, talks to PJ and Matty from The Hits about setting up an investment fund for your children – and the benefits of starting earlier rather than later.

What's the benefit of an investment fund over a term deposit? Milford's Head of Wealth Management, Phil Morgan Rees, chats with Toni, Jase and Sam on The Coast about the differences, and explains why you shouldn't anticipate future returns based on past returns.

Making and sticking with financial resolutions can have a positive long-term effect on financial wellbeing – including having a ‘choices' retirement over a ‘no-frills' one. Head of KiwiSaver at Milford, Murray Harris, talks to PJ and Matty from The Hits about how to close the gap between what you receive from the government after 65, and what you need to maintain your desired retirement lifestyle.

With all the global changes already in 2025, how do you know when it's a good time to invest? Milford Financial Adviser Jess Travers chats with Toni, Jase and Sam on The Coast about why you shouldn't feel nervous about investing when markets are down or volatile.

What sort of information do you need when researching KiwiSaver providers? Head of KiwiSaver at Milford, Murray Harris, gives Bree and Clint from ZM some guidance on the key things to consider.

New Year's resolutions aren't always easy to achieve, but Head of KiwiSaver at Milford, Murray Harris, gives Bree and Clint from ZM one goal they can fulfil.

Out of all the resolutions you've made for 2025, how many have already been broken? Head of KiwiSaver at Milford, Murray Harris, talks to PJ and Matty from The Hits about the one resolution that can have a positive, long-term benefit – along with seven easy steps to get there.

Taking check of your finances, investments and progress against goals once a year is helpful to fully understand your financial situation. Milford Financial Adviser Jess Travers chats with Toni, Jase and Sam on The Coast about what to look for and what to change to make the most of your finances in 2025.

It's time to set your 2025 resolutions! Murray Harris, Head of KiwiSaver at Milford, joins Bree and Clint from ZM to talk about the importance of including financial goals in your plan and how increasing your KiwiSaver contribution by a small fraction now could make a difference of thousands in retirement.

Christmas can be an expensive time of year, and Head of KiwiSaver Murray Harris shares practical tips with PJ and Matty from The Hits for managing the holiday financial pressures. As we transition into the New Year, they also touch on the importance of including financial goals as part of your 2025 resolutions.

As 2025 approaches, Milford Financial Adviser Gareth Stythe joins Toni, Jase, and Sam on The Coast to discuss how the holiday break is the perfect time to review and reset your financial goals. He emphasises the value of using tools and expert advice to refine your strategy for smarter financial decisions in the year ahead.

What does the OCR cut mean for your mortgage? Milford Financial Adviser Gareth Stythe chats with Toni, Jase and Sam on The Coast about ways to make the most of a mortgage rate drop, including why now could be a good time to consider an investment fund over a term deposit.

You can't take it with you, so what happens to your KiwiSaver money when you die? Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks with PJ and Matty from The Hits about how you can ensure your hard-earned money is allocated to the people you want.

Does the government take your KiwiSaver money when you die? KiwiSaver Financial Adviser at Milford, Liam Robertson, gives Bree and Clint from ZM a rundown on what happens to your money if you have a will, or you don't have a will.

Financial risk is normally associated with losing money, but what about the risk of not taking enough risk? Milford Financial Adviser Jessica Travers chats with Toni, Jase and Sam on The Coast about why being conservative with your financial decisions might not get you the returns you need to reach your goals.

The word diversification is thrown around a lot in financial circles – but what does it actually mean? KiwiSaver Financial Adviser at Milford, Liam Robertson, gives Bree and Clint from ZM an easy-to-understand example of what diversification could look like.

Diversification can be simply explained as not putting all your eggs in one basket – but what does that actually mean in practical terms? Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks with PJ and Matty from The Hits about what diversification involves, and what it means for your KiwiSaver funds.

A common question people ask is, "Which KiwiSaver fund is right for me?" Milford's Senior KiwiSaver Financial Adviser, Liam Robertson, joined PJ and Matty on The Hits to discuss fund suitability and how your choice can impact your future balance. He emphasises the importance of reviewing your financial goals, understanding your risk tolerance, and considering your investment timeframe.

Milford's Senior KiwiSaver Financial Adviser, Liam Robertson, joined Bree and Clint on ZM to tackle a common question: "Which KiwiSaver fund is right for me?" Liam explained fund choice and suitability, emphasising the importance of reviewing your financial goals, understanding your risk tolerance, and considering your investment timeframe.

Entering your 40s often means a shift in life priorities, and with that comes new financial considerations. Milford Financial Adviser Jessica Travers joined Toni, Jase, and Sam on The Coast to discuss what to focus on during this stage – ranging from paying down your mortgage, building your investment portfolio, reviewing your KiwiSaver contributions and the importance of starting conversations with your children about money.

Moving into your 30s, your earning potential likely increases, along with life expenses. Milford Financial Adviser Nicky Reid chats with Toni, Jase and Sam on The Coast about how to avoid the ‘lifestyle creep' as your pay packet grows, and ways to keep focused on long-term goals.

$500m of government contributions to KiwiSaver were missed out on last year, because people didn't contribute enough to meet the threshold. Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks with Bree and Clint from ZM about how you can ensure you receive the government's annual $521.