Advice Knight

Is your KiwiSaver still working as hard as you are? 💰 💪

With winter here, now is a great time to take a fresh look at your KiwiSaver.

Our free annual KiwiSaver review gives you a chance to make sure it is still working for your goals, check how your balance is tracking, see whether your fund type still fits your risk and timeline, and explore ways you could grow your savings more effectively over time.

If you’d like to book a review, simply click the ‘KiwiSaver Review’ link on our profile and we’ll get in touch to arrange a time that suits you.

Even if you’re not ready for a full review, a quick chat with an adviser can still give you useful insights into your fund performance and highlight any changes you might want to consider since your last conversation.

Are you paying more interest than you need to on your mortgage?

Here are 6 smart strategies to pay your mortgage off faster:

1. Keep repayments the same when rates drop
Refixing to a lower rate? Don’t lower your repayments. That extra goes straight to reducing your principal — saving time and interest.

2. Pay more than the minimum
Even a small increase can make a big difference. An extra $200/month could shave years off your loan.

3. Switch to fortnightly payments
Split your monthly repayment in half and pay every 2 weeks — you’ll make extra repayments each year without noticing.

4. Round your repayments up
Rounding up (e.g. $3,188 → $3,250) is a simple way to chip away at your loan faster.

5. Use lump sums wisely
Bonuses or extra cash? Putting it toward your loan can significantly reduce interest — just watch fixed rate limits.

6. Get your loan structure right
The right setup can give you flexibility and help you pay less interest over time.

Small changes = big long-term wins.

Get in touch if you want to review your structure, we’d love to help.