Podcasts about KiwiSaver

The Deputy Prime Minister and Act Party leader talks about using KiwiSaver to buy a farm. Plus, he enters the age-old debate on the age of eligibility for the National Super. And - is Chris Hipkins’s capital gains tax politically palatable or a poisoned chalice?See omnystudio.com/listener for privacy information.

In this episode of Money Made Simple, Jennie and Liv dive into a topic that can make even seasoned investors nervous - market volatility. What causes the sudden ups and downs in your KiwiSaver or Investment Fund balance? And what should you do when markets are unsettled?From global news and investor emotion to algorithms and exchange rates, this episode explains what's really behind those squiggly lines in your fund performance graph - and why they're not always a bad thing.This episode covers:What volatility really means, and why it's a normal part of investingThe big drivers of market swings - uncertainty, emotion, and new informationHow events like wars, elections, and interest rate changes ripple into KiwiSaver returnsWhy international markets and currency movements matter more than you might thinkReal-world case studies: the Global Financial Crisis and COVID-19 crashWhy staying calm and staying invested is the smartest long-term strategyTools to help you match your fund to your time horizon and risk toleranceHow volatility, while uncomfortable, can actually help long-term investors grow their wealthResources mentioned in this episode:Sorted's KiwiSaver fund finder - sorted.org.nz/tools/kiwisaver-fund-finder/ and for other managed fund investments smartinvestor.sorted.org.nz/Simplicity Fund Sector - simplicity.kiwi/calculators/kiwisaver/fund-selectorJennie and Liv explain in plain English why markets rise and fall, and why keeping calm, staying invested, and focusing on the long game is the best approach - especially when things feel uncertain. Volatility is the price we pay for growth, and for those with time on their side, it's worth it.---Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!Find us: InstagramFacebookLinkedInDisclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.

Aaron Hendry joins us LIVE at 9pm to talk about Kickback's State of the Street report released today showing, among other things, the issue of young people are sleeping on the streets and in cars is getting worse.Tania Waikato joins us LIVE tonight around 9.30 to talk about the latest numbers for Te Rārangi Rangatira and if we've hot the 1500 mark so we can then send Mr Seymour his cookie to eat his own words. Christopher Luxon may have pulled of the most gangsta move seen in politics in a very long time involving Chris Bishop, an alleged leadership challenge and the Kiwisaver announcement last week.=================================Come support the work we're doing by becoming a Patron of ⁠⁠#BHN⁠⁠ www.patreon.com/BigHairyNews⁠=================================Merch available at www.BHNShop.nz Like us on Facebookwww.facebook.com/BigHairyNews Follow us on Twitter.@patbrittenden @Chewie_NZFollow us on BlueskyPat @patbrittenden.bsky.socialChewie @chewienz.bsky.socialEmily @iamprettyawesome.bsky.socialMagenta @xkaosmagex.bsky.social

The government pledged to ‘build the future' with its first election policy this week - and TVNZ aired a special about our economic problems. Do our media give us the big picture on our economy? Also: fact-free stories about rolling the PM - and Covid-19 hindsight flip-flops. In this episode: 1:12: Even as he launched his first election policy this week, pitched to ‘build our future,' Christopher Luxon faced a flurry of reports his own future as PM and party leader was in doubt. But they were high on rumour, chatter and opinion - and almost fact-free.15:30: TVNZ aired a special show - ‘You, Me and the Economy' - this week, zeroing in on the problems and possibilities in our economy.17:48: Bernard Hickey, founder of independent outlet The Kākā on media coverage of our economy. and if the ‘burps and farts' of party politics obscure important issues. Also: how subscriber-based public interest journalism can flip the script.35:46: The report from UK's Covid 19 inquiry has slammed the former government there for indecision and confusion, and delaying lockdowns that cost lives. One broadcaster seized on it to slam the government here, even though he changed his own position several times.Read more about this episode of Mediawatch on the RNZ websiteGuests: Bernard HickeyFollow Mediawatch and listen on Apple Podcasts, Spotify or any podcast app to make sure you never miss an episode.Find more RNZ Podcasts at the new section of the RNZ website at rnz.co.nz/podcastsGo to this episode on rnz.co.nz for more details

The RBNZ update this week again made the point that yes, the economy's in bounce back mode. We'll grow 2.5% next year, they reckon. But this country needs more than that. It deserves more than that. The problem for us is, and has been for about the past 30 years, productivity. How much we get out for what we put in. We went sideways and it's now falling. As you know, this is a bad thing. It's taking us more people and resources to make less stuff. It puts a ceiling on success. It's a wealth killer. Some reckon it's the canary in the coalmine - the thing we should care about most because we're basically sleepwalking into third world status. Like falling asleep on a plane and waking up in a different country, we'll one day wake up outside the OECD. The solution, in part, is AI. The World Economic Forum had some numbers showing it can boost labour productivity in developed countries by up to 40% over the next 15 years. The richer your country, the more you gain, which stands to reason because higher labour costs incentivise switching to AI to save on wage bills. The economic upswing we're seeing right now is a business cycle uplift: they go up and down. But if you're talking about making this country a serious economic contender on the world stage, as we once were, you need a plan. You need a strategy. You need electricity. You need to get rid of a bunch of regulations. Do we have those things? No. But we need to. I'm hoping next year at the election, more than a tax cut here or a medi-card there, somebody, from some party, I don't care which, paints us a credible path towards prosperity and wealth again. Lord knows we need it. See omnystudio.com/listener for privacy information.

Dr *Matthew Hooton* joins host Martyn Bradbury and the panel — *Craig Renney, Shanan Halbert, and Matthew Tukaki* — to tear into National's “killing season,” KiwiSaver changes, and roadside drug testing. Plus: War on News (Winston's Regulatory Standards flip-flop, Shane Jones vs recreational fishers, Casey Costello's tobacco rankings disaster) and a final word on COP30's sell-out and Shane Jones' big-oil love affair. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Prime Minister ponders a peace deal in Ukraine, going on a farm tour with Federated Farmers, getting rid of regional councils, the OCR, KiwiSaver, the age of eligibility for National Super, whether a CGT has any political appeal, and whether Chloe is a genuine contender to be the next Minister of Finance.See omnystudio.com/listener for privacy information.

The National Party could join coalition partner NZ First and campaign on repealing the Regulatory Standards Act at the next election, deputy leader Nicola Willis says. This is despite the law, which was pushed by the Act Party during coalition talks, being less than a month old, and having been passed into law with votes from both National and NZ First. Speaking to Wellington Mornings with Nick Mills on Newstalk ZB, Willis said National had not “come up with what our party position will be after the election”. “We haven't ruled out repealing it either. We haven't taken a position yet, but it's not impossible that we would go to the campaign trail saying, ‘yes, we met our coalition commitment, we supported that into law, but actually we agree with the concerns of some people, it hasn't operated as we'd hoped and we want to repeal it'. “We haven't come to a position yet, but we haven't ruled it out.” NZ First leader Winston Peters shocked the coalition last week when he said his party would campaign on repealing the law it had just helped to pass. His position is that the coalition obliged his party to pass the law, but his party is free to repeal it in the next Parliament. Willis said she was “comfortable” with this position. “They joined the Cabinet, they used their votes to ensure it is passed into law – they did their bit,” Willis said. Willis is not the only National MP to float repealing the law. Last week, when her colleague Chris Bishop was asked what the party was thinking, he replied, “you'll see our policy going into the election”. “I'm not going to give you a commitment on National policy,” he said. All three opposition parties say they will repeal the law if they have the numbers next term. Labour MP Duncan Webb has even submitted a member's bill to the ballot which, if drawn, would give NZ First the opportunity to repeal the law this term of parliament. Peters, however, described this as game-playing and said he would not be supporting the effort. Act leader David Seymour attacked Peters' about-turn on the law, saying it looked as though Peters was gearing up to join another Labour-led coalition, something Peters has said he would not do while Chris Hipkins was leader of the party. The Regulatory Standards Act is designed to improve the quality of government regulation by establishing a set of principles for what constitutes “good regulation”. Part of the controversy surrounding the law is the fact these principles are closely aligned to Act's political worldview and do not constitute more universally recognised principles of good regulation. The act is also controversial for the creation of a regulations board that acts as an assessor of compliance against these principles, although power to act on what the board says ultimately still rests with ministers and Parliament. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Christchurch City Council's been selected to act as a one-stop consenting authority for large-scale supermarket developments. Finance Minister Nicola Willis says it's the latest step in the Government plan to make New Zealand attractive for new operators. She says developers previously had to navigate up to 66 different councils, processes and responses. Willis says the aim is to boost competition in a sector dominated by Foodstuffs and Woolworths by letting new entrants deal with just one authority. Business Canterbury CEO Leeann Watson told John MacDonald that the intention of having a one-stop shop regardless of the number of sites you're operating on is sound. She says that they've heard from businesses who operate across multiple sites that there's a real inconsistency across the local authorities, which can be incredibly painful to deal with. But, Watson says, whether or not this plan creates the right incentives is still yet to be seen. LISTEN ABOVE See omnystudio.com/listener for privacy information.

Ousted Te Tai Tonga MP Tākuta Ferris spoke to Mihingarangi Forbes on MATA about the mounting internal tensions within Te Pāti Māori that led to the current fall out with some pretty concerning accusations made.Chris Hipkins speaks to the National plan for Kiwisaver and what Labour would do to help lower income people into the planChristopher Luxon says, of the cracks in the coalition, that there are 'none whatsoever'...evidence would say otherwise=================================Come support the work we're doing by becoming a Patron of ⁠⁠#BHN⁠⁠ www.patreon.com/BigHairyNews⁠=================================Merch available at www.BHNShop.nz Like us on Facebookwww.facebook.com/BigHairyNews Follow us on Twitter.@patbrittenden @Chewie_NZFollow us on BlueskyPat @patbrittenden.bsky.socialChewie @chewienz.bsky.socialEmily @iamprettyawesome.bsky.socialMagenta @xkaosmagex.bsky.social

Labour Leader Chris Hipkins says he's not clear what the Government's aiming for in its plans to change local government. It's proposing replacing the country's 11 regional councils with boards made up of local mayors. Hipkins agrees there's an obvious need for change. But he told John MacDonald he thinks this looks like an attempt to make councils amalgamate. Hipkins says if that's what they wanted, they should have told councils to go away and amalgamate. LISTEN ABOVE See omnystudio.com/listener for privacy information.

The biggest losers in National's bid to super size Kiwisaver are low income earners and small businesses according to an economics expert. If re-elected National is proposing to raise Kiwisaver contributions to a combined 12 percent by 2032. The graduated increase would see contributions split evenly between between the employer and the employee, topping out at six percent each. Professor of economics Robert MacCulloch, who holds the Matthew S. Abel Chair of Macroeconomics at the University of Auckland, spoke to Lisa Owen.

The prime minister is struggling to hose down the opposition's claim his Kiwisaver policy is likely linked to a rise in the retirement age. The proposal unveiled yesterday would see employers required to match workers' Kiwisaver contributions up to six percent of their wages. The opposition is mildly supportive, with some caveats, but the links to retirement age could point to a brewing rift in the coalition. Political reporter Russell Palmer has more.

Tonight, on The Panel, Wallace Chapman is joined by panellists Deborah Hart and Allan Blackman. First up, the government's added another sheet of gib to its reforms of the building sector. John Grey is the president of the Home Owners and Buyers Association Inc, he says there's not a lot of detail and he's not sure it will change things for the better. Then, in another policy announcement, National has pledged to gradually push up KiwiSaver contribution rates up to 12 percent. Is it a good move? The panel talks to economics professor Michael Cameron.

Tonight on The Huddle, lawyer and political commentator Liam Hehir and Child Fund CEO Josie Pagani joined in on a discussion about the following issues of the day - and more! New reports claim New Zealand's wasting 1.2 million tonnes of food every year - but most of it is thrown away during production before it makes its way to the supermarket. What do we make of this? Ahead of the election, National is promising to increase KiwiSaver contributions by 2032 as part of their election campaign. Will this get votes? Speaking of the election, new polls show prospective voters are in favour of adjusting any capital gains tax for inflation. Labour has no plans to take this on board - should they consider this? Plenty of media commentators have outlined their concerns with Air New Zealand this week. Do we agree Air New Zealand needs to improve themselves? Will more Kiwis jump to Jetstar? LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the Heather du Plessis-Allan Drive Full Show Podcast for Monday, 24 November 2025, if you're building a new home or doing a biggish renovation you'll soon be forced to buy a building warranty in case of building faults. Building Minister Chris Penk talks to Heather about the details. Koura's Rupert Carlyon says employers should be stopped from decreasing salaries to accommodate higher Kiwisaver contribution rates. The eye-watering amount of food that gets thrown away every year - and the surprising worst offender. Finance Minister Nicola Willis hits back at suggestions that Prime Minister Chris Luxon might get rolled by one of his MPs. Plus, the Huddle debates why we're so fed up with Air New Zealand, its service and especially its prices! Get the Heather du Plessis-Allan Drive Full Show Podcast every weekday evening on iHeartRadio, or wherever you get your podcasts. LISTEN ABOVESee omnystudio.com/listener for privacy information.

A finance expert warns New Zealanders need reasons to pay in to KiwiSaver, if they're being told to contribute more. National's made a pre-election pledge to progressively raise baseline worker and employer contributions by 2032 - to six percent each. Koura Wealth managing director Rupert Carlyon says that's a nudge to contribute, but more's needed to turn it into a push. He says the US, Australia and Ireland use incentives. "These are all countries that use tax breaks, so tax deductions for contributions or tax deductions to allow you to kind of make your gains tax-free." LISTEN ABOVESee omnystudio.com/listener for privacy information.

Chris Luxon says National's KiwiSaver election pledge will be a bottom line in coalition negotiations. National's announced plans to lift default contributions to six percent by 2032. Employer contributions would increase by half a percent from 2029. NZ Herald political editor Thomas Coughlan says most of the policy is sound, but he raised concerns over some employers taking the increases out of their workers' pay checks. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Christopher Luxon has finally swung for something big, and tonight we get stuck into what his KiwiSaver overhaul really means. After months of beige policy and quiet corridors, the Prime Minister has dropped a long term plan to lift contributions to a combined 12 per cent. It's ambitious, it's overdue, and it's got everyone talking. We break down why Luxon's suddenly found his spine, whether this is smart economics or pure desperation, and what it means for workers, employers, and anyone trying to retire before they're 90. On the panel Ashley Church and Rawdon Christie jump in with insight, history, and a few home truths about where this might land. Plus, Duncan has exclusive details you won't hear anywhere else. A rates cap is coming before Christmas and regional councils look set for the axe. Big moves. Big implications. And very big questions for a government trying to climb back in the fight. Learn more about your ad choices. Visit megaphone.fm/adchoices

Tania Waikato joins us LIVE to release tonight's numbers on schools who are committed to giving effect to Te Tiriti o WaitangiCraig Renney joins us LIVE tonight to talk about his nomination to Labour for the next election and the new policy released by National saying they would increase Kiwisaver contributions to 12%, 6% from the employer and 6% from the employee meaning people who are already struggling to make ends meet are about to have more money taken from their weekly pay pack David Seymour was on Q&A on the weekend talking the RSB and how the legislative changes he supported this year wouldn't be in line with the new conditions on 'how to make legislation' using the RSB.=================================Come support the work we're doing by becoming a Patron of ⁠⁠#BHN⁠⁠ www.patreon.com/BigHairyNews⁠=================================Merch available at www.BHNShop.nz Like us on Facebookwww.facebook.com/BigHairyNews Follow us on Twitter.@patbrittenden @Chewie_NZFollow us on BlueskyPat @patbrittenden.bsky.socialChewie @chewienz.bsky.socialEmily @iamprettyawesome.bsky.socialMagenta @xkaosmagex.bsky.social

FIRST WITH YESTERDAY'S NEWS (highlights from Monday on Newstalk ZB) I Suppose It's Probably a Good Idea/Who's On Strike Today?/Pre-Wasted Food/That About Wraps It Up for Christmas Parties/Plane CryingSee omnystudio.com/listener for privacy information.

National is proposing to raise Kiwisaver contributions to a combined 12% by 2032 - bringing it in line with Australia; Newly re-elected Auckland Mayor Wayne Brown says his second term will be focused on boosting the region's economic growth, making the CBD more inviting, and securing a city deal; Prime Minister Christopher Luxon spoke to Morning Report; We crossed the ditch to Canberra to talk to our correspondent Kerry-Anne Walsh.

Money correspondent Susan Edmunds has been talking some KiwiSaver providers who say there's a catch in National's latest policy announcement.

National has entered campaign mode, debuting its first new election policy in a bid to revitalise its flagging support in the polls. Acting political editor Craig McCulloch spoke to Melissa Chan-Green.

National is proposing to raise Kiwisaver contributions to a combined 12% by 2032 - bringing it in line with Australia. Business New Zealand's Catherine Beard spoke to Ingrid Hipkiss

National is out of the gates with its first election policy - proposing to lift combined employer and employee KiwiSaver contributions to 12% by 2032 if re-elected. Giles Dexter reports.

A promise to increase Kiwisaver rates is being described as a fundamentally good move - even if there's more to do. National says it will lift default contributions to six percent by 2032 - matching Australia's 12-percent superannuation rate. Employer contributions would increase by half a percent each year - but not until 2029. Milford Asset Management's KiwiSaver Head Murray Harris told Mike Hosking that although he backs the idea, 'we need to see what the long-term strategic plan for KiwiSaver is.' LISTEN ABOVESee omnystudio.com/listener for privacy information.

Queues at budgeting services are getting longer, and financial advisors are finding households with increasing incomes are seeking help. Kiwis with a household income of over $200,000 a year and likely with a mortgage are struggling to make ends meet. It feels like it was only a few years ago that being on a six figure salary meant you were fairly well off, but it seems it's barely enough to get out of living paycheck to paycheck these days. So what actually is a liveable wage these days? Do we truly need to be making half a million a year just to pay our bills and still have a bit left over for savings and fun? LISTEN ABOVESee omnystudio.com/listener for privacy information.

I'm with the KiwiSaver providers who are saying we need to go further than just increasing contributions and we need to make them compulsory. This is after the announcement by the National Party yesterday that one of its election policies next year will be increasing contributions to 12 percent (6 percent from employers and 6 percent from employees) by 2032, to bring us into line with Australia. KiwiSaver providers are saying today that they're liking the policy - but the calls are already coming for it to be made compulsory. Across the Tasman, it's compulsory for employers to contribute - but not for workers. National says it's not in favour of making any contributions compulsory. NZ First is, though. So does Sam Stubbs, who is managing director of Simplicity. He's saying that it has to be compulsory because we have to make sure everybody is saving for their retirement while they're working. And the only way to do that is to make it compulsory. Who can argue with that? He says: "Those people who aren't saving into KiwiSaver are going to be much worse off later on in life. So if we want to remove inequality in New Zealand, and we don't like inequality in New Zealand, we have to make sure that everybody is saving for their retirement while they're earning.” Compulsory KiwiSaver contributions are also going to be essential with any changes to the contribution rates, as National is proposing. Because some people who are paying three percent now won‘t want to pay six percent and so they'll pull out. And the only way to stop that, is to make it compulsory. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Christopher Luxon has made his party's first election promise at a Christmas gathering for the party faithful of the Lower North Island. He said that they would lift the default KiwiSaver contribution rate, and eventually the changes would mean employees would see 12% of their earnings going into KiwiSaver, 6% from them, 6% from employers - a level that would match Australia's superannuation contribution rate, although of course in Australia, the whole contribution comes from the employer because they can afford it. The figure would come from hiking the default contribution rate from 3%, where it is today, to four, then 6% by 2032. The employer contribution would also rise to 6%, achieving that combined rate of 12% by 2032. Christopher Luxon said under the changes, a 21-year-old who's earning $65,000 a year today would retire with a KiwiSaver balance of about 1.4 million, bare minimum. No one, it appears, thinks that this is a bad idea. The only concern is that the tinkering with KiwiSaver doesn't go far enough. Commentators say KiwiSaver needs to be compulsory, otherwise people would just opt out, thinking they can't afford the contributions. They do not realise when they're 21 that they can't afford not to contribute to KiwiSaver, because 65 comes far faster than you can ever possibly imagine. Others, like Milford Asset Management Kiwi Saver head Murray Harris, says National needs to look at improving other moving parts. Fundamentally, this is a good announcement, but there's a lot of moving parts with KiwiSaver. And I think what we need to see is what's the long-term strategic plan for KiwiSaver and what are the settings that are going to be set for the long-term future? Because at the moment you do have the so-called total compensation where your employer can pay you out of your pay, the employer contribution. Now that should be scrapped. That's another one of the settings that National haven't announced or included in this announcement. And there's there are others as well that we need New Zealanders to be really confident that KiwiSaver is going to be set for the future, there isn't going to be tinkering with it every time we get a change in political party, and that they can be confident that their long-term savings and retirement savings for the future are going to be as they expect. Yes. Chris Hipkins says it's a good thing to increase retirement savings. The transition is the key. The policy may encourage employers to Uberise their workforces by turning erstwhile employees into contractors. I would love to hear from those of you who have just started in the workforce perhaps, who have been in the workforce for about two or three years. Where does your pay packet go? In terms of what you're paying back. You might have a student loan. When it comes to KiwiSaver, how much can you afford to put in? Do you accept, as somebody who has just entered the workforce, that you're going to need to save for your retirement? I I'm pretty sure that message has got through to the next generation that there's going to be a real necessity for feathering your own nest. You might think when you first start off with your paying back of your student loan and the like, saving for a house, that KiwiSaver's just there to get that deposit on a home. Or you might want a couple of years of lavish spending because you've been living as a student, living on the low-cost pittas from the takeaway shop and the two-minute noodles. You want to know what it feels like to have money to splash around so you'll pay back your student loan and then you'll think about KiwiSaver. How many of you are squirrelling away your nuts, so to speak, because you understand that the sooner you start saving with compound interest, the better off you're going to be. When it comes to those who have recently retired, I'd really like to hear from you too. So you might have stopped work a couple of years ago. Do you have enough invested and saved to get by? Did it come as a bit of a shock? Or was it pretty much as you expected that with the investments you had, the savings you had, the house that you'd paid off, that combined with the super, you're just fine. There are a lot of people, I think, who don't realise that when it comes to being poor, it's pretty rubbish - but being poor and old is doubly rubbish. And unless you start saving at a very young age, even a little bit, like look at the Rich Dad Poor Dad, even putting 10 bucks a week away, getting into that habit of saving is the best thing you can possibly do for yourself. I wish I'd had it hammered home to me when I first started work. There are good savers, like being good at languages. People are who are good at budgeting, and then there are hopeless ones. But even hopeless ones need to know that even a little bit set aside every payday is going to pay off in the long run. I think that message has got through, but I'd love to hear from those of you who have just started work and those of you who have just finished work. Do you have enough to save if you're younger? And if you're older, do you have enough to live on? LISTEN ABOVESee omnystudio.com/listener for privacy information.

The National Party have announced their first election promise - a lift to default KiwiSaver contribution rates. The changes would mean that by the end of the implementation, savers would be able to contribute 12% to KiwiSaver, putting us on a level matching Australia's superannuation. Some experts say it'll lead to countless people opting out of KiwiSaver, with other investment methods providing more incentives. LISTEN ABOVE See omnystudio.com/listener for privacy information.

A banking expert is picking apart National's 'piecemeal' Kiwisaver election pledge, saying it doesn't go far enough. The party's promising to lift default worker and employer KiwiSaver contributions to six percent by 2032 - matching Australia's 12 percent superannuation rate. Employer contributions would increase by half a percent - but not until 2029. Massey University banking expert Claire Matthews told Ryan Bridge that there's an issue if people think the rate's too high. LISTEN ABOVESee omnystudio.com/listener for privacy information.

KiwiSaver is getting a shake-up and some of these changes could completely reshape your retirement.In this episode, we break down the proposed KiwiSaver overhaul from targeted boosts for low-income earners to parental-leave top-ups, employer contributions past 65, and the controversial emergency “sidecar” account - plus what these changes could really mean for your long-term savings.Next Steps: If you're not sure whether your KiwiSaver fund, contribution rate or strategy is set up correctly for these changes, book a free 30-minute session with a Lighthouse adviser and get your plan sorted.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.

Investor confidence is picking up from last quarter's post-Covid lows, but sentiment remains split. In this episode, Nigel Grant (Head of Wealth Products, ASB) and Chris Tennent-Brown (Senior Economist, ASB) dig into the latest ASB Investor Confidence Survey results for Q3 2025 to explore what's making some regions and groups more optimistic than others. They discuss the factors driving investor confidence and decision-making - from global headline events to local influences like the price of milk - and why more people are looking beyond property to investment options such as shares, managed funds, and KiwiSaver.

Money correspondent Susan Edmunds looks into what happens to a person's KiwiSaver when they die.

Today’s we're doing something a little different thanks to our mates at ANZ. We’re teaming up with ANZ to talk about something really important: financial confidence and KiwiSaver. Hayley's sitting down with fellow ZM gal Georgia Burt to interview her about how she thinks about money, the future, and what she's learned along the way. Book your free KiwiSaver Check-in with ANZ and take a confident step toward your financial future. ANZ New Zealand Investments Limited is the issuer and manager of ANZ's KiwiSaver schemes. See advice statement, scheme guides and product disclosure statements at anz.co.nz. See omnystudio.com/listener for privacy information.

Chris Luxon is standing firm on his opposition to a capital gains tax. A New Zealand Herald-Kantar Poll shows New Zealanders are evenly split on Labour's proposal for a tax on gains on commercial and investment properties. Opposition is strongest in Auckland, while support for the CGT is stronger in every other region. The Prime Minister told Mike Hosking Labour's proposal is ultimately a bad idea, that will harm businesses and leave everyone's KiwiSaver worse off. LISTEN ABOVESee omnystudio.com/listener for privacy information.

The Retirement Commission's calling on leaders to strengthen our retirement income system while we can. It's retirement income policy review's found a longer-term political focus is needed to ensure future generations' certainty. It makes 12 recommendations, from moving more quickly to implement Kiwisaver reforms to harder strategies such as a new cross-party accord. Commissioner Jane Wrightson says this issue should be thought about holistically. She says we have time to make changes, adding there will be a million people over 65 by 2029, and 1.5-million by the 2050s. LISTEN ABOVESee omnystudio.com/listener for privacy information.

New Zealand's Retirement Commissioner is calling for changes to KiwiSaver to ensure the scheme does not leave anyone behind. Jane Wrightson spoke to Ingrid Hipkiss.

Tonight on The Huddle, Brigitte Morton from Franks Ogilvie and former mayor of Auckland Phil Goff joined in on a discussion about the following issues of the day - and more! Is it in the public interest to pursue charges against the woman at the centre of the McSkimming saga? She's charged under the Harmful Digital Communications Act for sending emails to the detective who arrested her. What do we make of all this? David Seymour has blamed the teachers' strikes on a drop in school attendance last term? Was this out of line on his part? A think tank is floating the idea of KiwiSaver schemes for kids, claiming it could set them up with $10,000-$20,000 in savings by the time they reach adulthood. Do we think this is a good idea? LISTEN ABOVESee omnystudio.com/listener for privacy information.

On the podcast, Duncan reacts sharply to the explosive IPCA report, saying senior police in New Zealand engaged in outright corruption and a blatant cover-up of Jevon McSkimming's behaviour, leaving public trust shattered. He calls for prosecutions, compensation, and a full clean-out of Police HQ. Duncan then switches gears, interviewing Max Rashbrooke about compulsory KiwiSaver for kids and why early saving could transform New Zealand's financial future. Learn more about your ad choices. Visit megaphone.fm/adchoices

One NZ-based think tank is floating the idea of KiwiSaver schemes for kids, claiming it could set them up with $10,000-$20,000 in savings by the time they reach adulthood. The Institute for Democratic and Economic Analysis has put out a report proposing different models, including a kickstart Government payment and matching parental contributions. Max Rashbrooke, co-founder of the Institute for Democratic and Economic Engagement Analysis, says it could make a significant difference. "Obviously, the Government's moving to make financial literacy a compulsory part of the curriculum, we think that's an excellent idea - but how much more meaningful would that financial literacy education be in high school classes if every child in that class knows they've got a KiwiSaver account that's accumulating?" LISTEN ABOVESee omnystudio.com/listener for privacy information.

New research released this morning has set out the benefit of a Kids Kiwisaver scheme, where all children would automatically be enrolled at birth. Max Rashbrooke, co-founder for the Institute for Democratic and Economic Engagement Analysis spoke to Ingrid Hipkiss.

Send Us A Message! Let us know what you think.Topic #1:  Good  Returns 3rd of November- Market recovery signals consistent with interest rate fallsTopic #2: NZ Financial Adviser 5th of November - Auckland housing market steadies as listings rise and confidence growsTopic #3: RNZ 6th of November- 'People learning to manipulate the system': Call for KiwiSaver hardship withdrawal changesTopic #4: Oneroof 4th of November - SBS quietly offers ‘crazy' home loan rates of 3.99% - lowest in four yearsTopic #5: Realestate.co.nz 6th of November - Kiwis paying more at the supermarket, but less on rent#KiwiSaver #HardshipWithdrawal #KiwiSaverNews #RetirementFunds #FinancialPlanning #MoneyMatters #FinancialLiteracy #FinancePodcast #MoneyTalks #WealthTips #SmartMoneyMoves #NZFinance #FinanceDebate #FinancialAwareness #InvestingInNZ #KiwiSaverReform #PersonalFinanceSupport the show*Nothing from this episode should be taken as individual financial advice. *Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.

Some KiwiSaver providers say hardship withdrawals are definitely being made for the wrong reasons. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Half a billion dollars of investments, from KiwiSaver and other funds out of New Zealand, are going into Government bonds of countries with poor human rights records. That is according to a new report published by Motu Research this morning. Researchers there used the Human Rights Measurement Initiative, which ranks countries based on economic, civil and political rights residents have and portfolio data from KiwiSaver and other retail funds - to identify how much money New Zealanders were investing in sovereign bonds of so-called 'high alert' countries. These countries include China, Israel, Saudi Arabia and Qatar because of their low scores in safety from the state, civic freedoms and rights to things like education, food, health and housing. Lead author and economist at Motu Research Anne-Marie Brook says ethical investing has typically had minimal human rights data and this is the first comprehensive look at how much New Zealand investment is going into sovereign bonds of countries with dubious human rights' records.

New research shows half a billion dollars of New Zealanders' money in KiwiSaver and other retail investments has been lent to countries on 'high alert' for human rights violations. The paper written by Motu Research uses data from Mindful Money, an independent charity which aims to provide transparency for kiwis on where their money is invested. Co-CEO of Mindful Money, Barry Coates spoke to Ingrid Hipkiss.

Tonight, on The Panel, Wallace Chapman is joined by panellists Jo McCarroll and Allan Blackman   First up, Kiwisaver hardship withdrawls have gone through the roof, rising 22.5% in a year. What's going on? David Callanan from Public Trust explains. Then, volunteer teams have leapt into the clean up of recent storms in the South Island, but one organisation says there isn't enough funding supporting such groups. Taskforce Kiwi director Richard Adams explains.  

Are you on track to be a KiwiSaver millionaire? It's likely that most young people joining the scheme will get to that threshold. Money correspondent Susan Edmunds spoke to Ingrid Hipkiss.

Retirement isn't about luck - it's about planning, action, and time.In this live webinar, James and Justin break down what Kiwis really need to retire comfortably - from understanding how much you'll need for a $100K annual income, to paying off your mortgage faster, leveraging property and shares, and building a financial plan that actually works.Next Steps:Ready to see what your retirement number looks like? Book a free 30-minute discovery call with Lighthouse Financial to start your personalised plan today.For more money tips follow us on:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Facebook⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Instagram⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.