OnTrack with Milford

Getting the basics right can make a big difference when it comes to having access to money when your circumstances change.  Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on Coast, about how to prepare for life’s curve-balls. Gareth uses a personal example from his own family to highlight the importance. This podcast is intended to provide general information only. It does not...

Eligible KiwiSaver members can receive up to $260.72 a year from the government, but only if they meet the contribution threshold by 30 June. Milford Investor Services Associate Maddie Cruickshank shares the new eligibility requirements with PJ and Matty from The Hits, and outlines what you need to do to make sure you receive your $260.   This podcast is intended to provide general information onl...

From first homes to retirement, a new car or a rainy-day fund, different goals need different strategies – and different timelines. Milford Financial Adviser Nicky Reid joins Toni, Jase and Sam on Coast to explain how your timeframe can shape your approach to risk and investing. This podcast is intended to provide general information only. It does not take into account your investment needs or per...

What’s the key to understanding why short-term movements don’t matter as much as people think? Milford Wealth Management Adviser Liam Robertson shares about compounding returns and dollar-cost averaging with PJ and Matty from The Hits, and outlines why some funds underperform in the short term, but deliver in the long term. This podcast is intended to provide general information only. It does not...

Why good advice matters There’s an over-saturation of financial advice available in our digitally-focused world – from influencers to family and friends. So how do you know who to trust? Milford Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about the dangers of acting on the advice of unregulated and unqualified people. She touches on the danger signs, and where to go to get a...

Retirement savings or retirement income?  Milford’s Head of Wealth Management & Advice, Philip Morgan Rees talks to Toni, Jase and Sam on Coast, about investing during accumulation, pre-retirement and retirement, and explains why KiwiSaver is just an investment fund in a different wrapper. This podcast is intended to provide general information only. It does not take into account your investme...

Money is emotional Our behaviours can affect the decisions we make with our money.  Milford General Manager Wealth Management and Advice, Phil Morgan Rees, talks to Toni, Jase and Sam on Coast, about behaviours to watch out for, and why money is an emotional issue for us. This podcast is intended to provide general information only. It does not take into account your investment needs or personal c...

Markets are down, but there are good reasons to be optimistic. Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about why volatile periods are a good time for active managers to ‘buy well’. She also highlights the benefits of keeping calm and staying the course.   This podcast is intended to provide general information only. It does not take into account your investment needs or...

Government changes to KiwiSaver are about to come into effect on 1 April 2026. Milford Investor Services Associate Maddie Cruickshank talks through the changes with PJ and Matty from The Hits.

Why is it important that more women understanding investing?  Milford Financial Adviser Jess Travers talks to Toni, Jase and Sam on Coast, about the barriers women face when it comes to financial literacy, and steps to overcome those barriers to achieve greater financial independence. This podcast is intended to provide general information only. It does not take into account your investment needs...

What are some of the ways to navigate market volatility? Investor Services Senior Associate, Maddie Cruickshank talks through some key points with Bree and Clint from ZM. This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require fi...

Imagine, organise, plan, track and enjoy. Milford Financial Adviser Liam Robertson shares his top tips for setting financial goals, with Bree and Clint from ZM.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial...

Morningstar survey data released recently shows that KiwiSaver funds grew by $5b in the last three months of 2025 – that’s almost $145b saved. Milford Financial Adviser Liam Robertson talks through the survey results with PJ and Matty from The Hits, explaining how different types of funds suit different people, and why long-term investing matters.    This podcast is intended to provide general inf...

Is it time for a spring clean of your finances?  Milford Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about why now is a good time to assess where you’re at financially, figure where you want to be, and how to get there.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not inte...

The week between Christmas and New Year is a great time to think about wellbeing and financial goals for the year ahead. Milford Senior KiwiSaver Financial Adviser Liam Robertson shares his short, medium and long-term financial goals with PJ and Matty from The Hits, and offers tips on how to keep tracking towards your goals.   This podcast is intended to provide general information only. It does n...

Greed and fear are often two of the most common mistakes investors make. Milford Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about how emotions can sway decisions in a shifting market. This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or fi...

How can you avoid a Christmas over-spend? Milford Senior KiwiSaver Financial Adviser Liam Robertson shares some ideas on how to reduce spending with Bree and Clint from ZM. This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require...

Christmas is an expensive time, so what’s the best way to stay within, or even under budget? Milford Senior KiwiSaver Financial Adviser Liam Robertson shares some top tips with PJ and Matty from The Hits to help you make the most of your KiwiSaver before the year wraps up.    This podcast is intended to provide general information only. It does not take into account your investment needs or person...

There are three key things to consider for your KiwiSaver, as we head into the end of the year. Investor Services Senior Associate, Maddie Cruickshank breaks them down with Bree and Clint from ZM. This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial adv...

Would you put your KiwiSaver on term deposit? Milford Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about the differences between a term deposit and managed fund – including risk vs medium to long-term compensation.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended t...

The holidays are just around the corner, so it’s the perfect time to take stock of everything around you, including your KiwiSaver. Milford Investor Services Associate Maddie Cruickshank shares three simple tips with PJ and Matty from The Hits to help you make the most of your KiwiSaver before the year wraps up.  This podcast is intended to provide general information only. It does not take into a...

With the recent 50 basis points cut to the OCR, what could this mean for your household finances? Milford Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about why this might be the right time to talk to a financial adviser.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not int...

Planning for retirement isn’t high on the list for most young people entering the workforce. Head of KiwiSaver at Milford, Murray Harris, talks to PJ and Matty from The Hits about why investing in KiwiSaver from your first pay packet makes good financial sense. And he breaks down the numbers to show how much you lose in retirement by waiting until your 30s or 40s.   This podcast is intended to pro...

Emotions play a big part in our decision making – especially when it comes to finances. It even has an official term – Behavioural Economics. Head of Wealth Management and Advice at Milford, Philip Morgan Rees talks to Toni, Jase and Sam on Coast, about some trips and tips on how to be objective when developing an investment strategy. This podcast is intended to provide general information only. I...

Is it a good idea to have an investment fund alongside your KiwiSaver? What’s the difference between the two?  Milford Senior KiwiSaver Financial Adviser Liam Robertson explains the pros and cons of both with  Bree and Clint from ZM.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to b...