NZ Business Owners

Three reasons why I think you should think about investing in something other than the NZx 50: Home Bias - Check out the 'The randomness of Global Equity Returns ' by Dimensional Funds here: https://www.dimensional.com/us-en/insights/the-randomness-of-global-equity-returns Certain companies in the NZx50 are overweighted The liquidity is comparatively low compared to global indexes FIND ME: ►Find m...

Question of the day: "I am 75 and have $70,000 in a conservative KiwiSaver fund. I will need some of this over the next few years. As the fees and losses for KiwiSaver are both substantial, is it better for me to withdraw all KiwiSaver funds and invest them in term deposits?" Source: https://maryholm.com/nz-herald-12-march-2022/ ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free...

Question of the day: "We are fortunate enough to own our own home and a small holiday home, both mortgage-free. Estimated value $2 million and $600,000. This is taken from the lowest property value range. My partner just turned 65 and is on NZ Super. I am 63, have terminal cancer and I’m on Supported Living. Our problem is we have eaten through the savings over the last few years due to reduced in...

►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation Tools for picking the Best KiwiSaver Fund in NZ Risk Tolerance: https://comms.anz.co.nz/kiwisaver-risk-profile ESG: https://mindfulmoney.nz/kiwisaver/checker/ Calculator: https://sorted.org.nz/tools/kiwisaver-calculator Comparing Funds: https://sorted.org.nz/tools/kiwisaver-fund-finder Forms to look for: Product Dis...

Top 7 Ways To Withdraw Your KiwiSaver: Retirement First home Financial hardship Serious illness Permanently move overseas When someone dies Miscellaneous

Welcome to Finance News, we're going to talk about the soaring price of petrol in New Zealand, which isn't pretty. I mean, a lot of us are already struggling just to live paycheck to paycheck. Now suddenly petrol prices are taking off and people are freaking out, so much so that the government has actually made a drastic change. What they're doing is they're going to make a cut $0.25 per litre of...

Anyone that's a first-home buyer, or looking to get another mortgage for their rental property, this is a video you need to see. The new lending law, that came into effect in December, has been updated. It was the CCCFA and there was a big drop in loan applications. Good people that could actually afford the loan, weren't getting the opportunity to get a mortgage because of the new changes. The id...

The Russian invasion of Ukraine is a horrible tragedy that has captured the hearts and minds of the world. A world torn between the instigating of a nuclear war and the injustice of war.

Finding a job on Seek, Trademe or Indeed isn’t as easy as it sounds. Let alone trying to find your dream job. So, I thought I share my top for ways for getting your dream job in NZ. ►Book A Consultation With Ryan: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, in...

This an episode from March 2020 in the midst of Covid where people’s KiwiSaver dropped by 20% to 30%: “The short answer is nothing. When the hysteria bus takes over you’ll start developing this compelling urge to do something. Change your growth fund to a conservative or jump ship to another company not as badly impacted. Though it may have given you a sudden feeling of relief your finances won’t...

When I was younger. I didn't know what I wanted to do. I would try and compensate because I didn't feel good enough. And I'd go out and just really try to prove to myself and to my family that I was worth something. I used to envy people. Like what's your purpose? How do you have it all worked out? How do you know what degree you're going to do? How do you know what career you’ll pursue? I feel li...

William Tieu is one of New Zealand’s biggest finance influencers on Tik Tok .  He has amassed close to 70,000 followers with content primarily focused around getting Kiwis into their first home. In this episode, he shares his journey from engineer to financial advisor and how he navigates the pursuit of passion whilst still looking after his young family. Book a mortgage call with William: ht...

Quick fire finance question of the day: "My husband and I are 61 and 60. I work on a modest salary and my husband’s business unfortunately suffered badly as a result of Covid and he has had no meaningful work since March 2020. At the end of 2020 we sold our family home, as we had become empty nesters. We have downsized to a lovely apartment in a good area that will hopefully increase in value over...

Quickfire finance question of the day: "My husband and I are time-poor, and though I was fully across my own finances before we got together five years ago, we’ve since fallen into a pattern of him managing all the finances, and I feel I don’t know what’s going on. He is completely supportive of me being as involved as I like. What do you think is a responsible and efficient way of assigning finan...

If you were ever to try and learn better ways to save money. Why not learn from a saving expert who helps people with managing their money better? Shirley McCombe, from Tauranga Budget Advisory , shares her best money saving tips, and why you need a budget that doesn’t feel like a ‘diet.’ Wanting to save money, instead of feeling as though you have to. If you’re not sure where to start or what to...

Is this it for House Prices In NZ?

Finding the best KiwiSaver provider in New Zealand is no mean feat. Like how do you even compare KiwiSaver providers or find the best one? Arguably you could say there is no ‘best’ KiwiSaver provider in New Zealand. But, there is a good KiwiSaver provider for you. In this episode, I speak with the Director of National Capital, Clive Fernandes, who is on a mission to help 1 million Kiwis become fin...

The top five investment strategies in NZ: -KiwiSaver -Managed Funds -Rental Property -Index Funds -ETF’s ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Gui...

In this episode, I answer the most searched questions about financial advisors in NZ. -What does a financial advisor do? -Is paying a financial advisor worth it? -How do financial advisors get paid in NZ? -How do financial advisors get paid in NZ? ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________...

This is from a leadership conference I ran in 2020. ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financial Freedom Podcast: https://link.chtbl.c...

As a financial adviser in Auckland, I often get asked: how much do I need for retirement in NZ? If you’re looking to retire in New Zealand using term deposits, then the answer’s a lot. But with the right investment strategy, financial advice, and KiwiSaver provider, you can have a comfortable lifestyle in retirement. CHAPTERS: 0:00 Intro 00:12  How much income do you need in NZ? 00:35 Where i...

The best way to save 30% of your income is with these four money saving tips, and despite what you might think, it has nothing to do with a savings account. Here's my go-to on how to save money in NZ: CHAPTERS: 0:00 Intro 0:04 First money saving tip 01:08 Second money saving tip 02:53 Third money saving tip 05:14 Fourth money saving tip ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjme...

These 4 Money Traps to avoid in 2022, are less about money as they are about you. CHAPTERS: 0:00 Intro 0:11 First Money Trap 1:31 Second Money Trap 2:48 Third Money Trap 4:26 Fourth Money Trap ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, b...

Could 2022 be the year the markets finally crash? Is your KiwiSaver going to Zero? ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________________________________ ►Register to learn from leading experts in KiwiSaver, budgeting, investing and real estate: https://moneyskills.co.nz/ ►Subscribe to the NZ Guide To Financial Freedo...

Inflation in New Zealand is taking off, is there an end in sight? CHAPTERS: 0:00 Intro 01:00 Why do I have such a strong emotional reaction to this person? 06:27 Do you think the markets have been healthy post-COVID crash? 10:00 Will inflation get under control this year? ► BOOK A FREE CONSULTATION HERE: https://calendly.com/ryanjmelton/free-consultation RESOURCES & LINKS: ____________________...