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Retirement could last 20 years or more, which is why it can help to think beyond simply reaching retirement age.

The lifestyle you hope for, potential healthcare needs and how long your savings may need to last can all shape the planning process.

Our article explores some of the questions worth considering when planning for the years ahead: https://tinyurl.com/4mc7msay

Could you, or someone close to you, have an insurance gap?

Your needs can change over time, especially after big life events like buying a home, growing your family, changing jobs, or taking on new debt.

A quick review can help you understand whether your cover still suits your situation, or whether there are gaps worth addressing.

Read more: https://tinyurl.com/mudzvcxj

Past returns can be useful to look at, but they are only one part of the investment picture.

A strong period of performance does not guarantee future results, and weaker recent returns do not always tell the full story either.

When making investment decisions, it’s important to consider the bigger picture, including your goals, timeframe, risk appetite and how an investment fits within your wider portfolio.

Read more about the role past returns can play in investment decisions. https://tinyurl.com/5a424cn3

Interest rates can make a big difference to household finances.

For borrowers, they can affect mortgage repayments. For savers, they can influence the returns available on money in the bank.

But what actually drives interest rates, and how are decisions made about where they go?

In our latest article, we explain the role of the official cash rate, the key factors the Reserve Bank considers, and why interest rate decisions are not always straightforward.

https://sharenz.com/interest-rates-what-economists-are-watching/

The latest FSC Spotlight on KiwiSaver shows New Zealanders are continuing to contribute strongly, even with pressure on household budgets.

Member contributions reached $1.98 billion in the three months to 31 March 2026, while total KiwiSaver funds under management reached $124.5 billion.

It’s a good reminder that KiwiSaver remains an important part of many people’s long-term financial future.

Whether you’re saving for retirement, planning for a first home, or simply wanting to make sure your settings still suit your goals, getting advice can help you make more informed decisions.

Get in touch with a SHARE adviser to talk through your options.