06.10.20 | All

Now is a good time to give yourself a financial check up!

Policy Anniversary Your policy, which forms part of your Risk Protection Plan will complete an anniversary very soon. Policy Anniversary entails changes in the sum insured, premium inflation adjustments and other relevant issues. More importantly, if you have had any changes in your circumstances, this needs to be reflected in your Risk Protection Plan. Contact us Retirement…

01.09.20 | All

Say ‘Farewell’ to Bonus Bonds

ANZ recently announced that it is winding up its Bonus Bond scheme, blaming low interest rates as the cause.  Ben Kelleher, ANZ’s Managing Director for Retail and Business Banking explains “Low interest rates have reduced the investment returns of the scheme which affects the size of the prize pool. It has now become apparent those…

20.08.20 | All

Responsible Investing – The New Norm

Alarmed at the impact of companies damaging the environment, a new generation of investors are looking to support companies that fund future sustainability and social responsibility, citing an increased awareness of climate change as one of their reasons. With more availability and choice in New Zealand, people now have the power to choose, bringing about…

20.08.20 | All

A Changing Landscape

One of the big changes that we have seen as advisers over the past 5 years or so, is the regular merger/takeover activity of insurers in New Zealand. Not that long ago there where 9 Life insurers that we could place business with. Now with Resolution Life taking over AMP but not wanting new business,…

14.08.20 | All

Negative interest rate, and what would it mean for you?

As New Zealand prepares for a second wave of Covid-19, the prospect that the Official Cash Rate (OCR) will fall below zero is now an increasing possibility.  A Negative OCR would be part of the RBNZ’s monetary package intended to help stimulate the economy in the wake of uncertainty, but such a decision will turn…

13.08.20 | All

Save $1,000’s on your life insurance

If you are on Stepped premiums, you may have noticed how your premiums keep increasing more and more each year.  They increase for two reasons: CPI, an increase that keeps your sum insured in line with inflation, which can be cancelled Age, premiums rise annually as your get older, known as ‘rate for age’. The…

11.08.20 | All

Money Week: Is online grocery shopping better for your budget?

I am one of those shoppers that runs into the supermarket for one item and walks out with a trolley full of items I do not need, and quite often, forgetting the item I went in for! Supermarkets are experts in marketing strategies.  Their isles are carefully designed to entice us, wear down our willpower,…

30.06.20 | All

Would you like more insurance cover, without the paperwork?

If you would like to increase your current insurance cover without the paperwork or the underwriting and have found this impossible due to health issues – AMP may have a solution for you… AMP annually offer you the option to increase your policy in line with Consumer Price Index (CPI). They also allow you to…

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