The new kid on the block
Having only been around since 2007, and with new schemes popping up along the way, there is sometimes an assumption that all KiwiSaver schemes are made equal. But this simply isn't the case. There are over 200 different funds available right now so it is important to take an active participation in choosing what is the right fit for you. Don't assume that you are in the right fund for your financial goals or you could be missing out on significant savings for retirement.
Why Naked Finance?
Why wouldn't you take advice? After all, we charge nothing for the advice! The way we see it is we are confident that people will want to work with us, once they see what we offer and our process driven approach. Let's build your plan for financial success together.
Let us do the digging
We will go out and survey the marketplace and look for what fund is the best fit for you. Bear in mind, that this doesn't only focus on returns, we will take into account 'soft' factors too.
Your diamond in the rough
We will then collate the findings and help you understand all factors in your decision, thus allowing you to make an informed selection.
We're here for the long run
As with all things, maintenance is key. What is right today is not necessarily going to be right in five years. That's why we commit to the long run with our clients, ensuring we are always available and able to help them retweak to ensure optimal performance.
Identify where you are
First, we need to figure out where you are on your personal journey.
Find the best fit
We will collate the findings and help you choose a good fit for your plan.
Signed, sealed, delivered.
Once you're happy with the selection, sit back, and we will get it all sorted for you and you can just keeping contributing as normal.
So why move your KiwiSaver to us?
Most people don't realise that they should be receiving regular, free advice regarding their KiwiSavers. Haven't heard from an advisor? Well you are not alone. Moving your KiwiSaver under our management will give you the opportunity to reassess the fund you are in and guarantee you the regular contact with an advisor you are entitled to. Moving is free and regular advice is priceless.
Common questions we get asked on KiwiSavers
What is the need for life insurance?There are two main mindsets for life insurance. This first is to 'maintain' the lifestyle of your loved ones after you have passed. This essentially means that all your debts will be covered so they are not burdened with them. The second mindset is to improve the lives of your loved ones, to elevate them. Both ensure Funerals are covered, as these can be a costly affair. Life insurance can really be whatever you want it to be so have a chat with us to see what your options are.
What happens if you don't tell the insurer something important?In short, your insurer could rightfully deny you cover for exclusions that you failed to disclose. It is important to be truthful when signing up to insurance so you can be protected to the fullest.
Is it worth getting health insurance in NZ?We are lucky here in NZ. We have a few safety nets that are already in place to care for our health. There is the public health system and ACC for accidents. If you need "acute" surgery the public health system will care for you, but you will be triaged against other patients, which means it could be some time before you get seen. And for most, your care will only be subsidised so you still may face a big bill at the end of it. With private health insurance, you will get in front of the right people much quicker, which is priceless for peace of mind. Non Pharmac treatment options are also available through private health insurance. This can be a 'make or break' for treatment.
How much is health insurance in NZ?Well this depends on who you are and what you want to cover. There are a variety of packages and providers on the market so we would take time to focus in on what it is you need. But "how much?" we hear you ask again... As much as we would love to give precise figures, it is all on a spectrum from quite cheap to quite expensive. Tell us all about your needs and what you're able to spend and we will find the right package for you.
Which employer has the best health insurance?Luckily, more and more employers are providing health insurance as staff are requesting it. This is more likely to be by big firms, but Naked Finance is part of a group that can offer health insurance packages for teams as small as five people! We are more than happy to have a chat to your employer if you'd like to introduce the conversation. Speak to us to find out more.
What are the different types of insurance? Is it just Health and life Insurance?Well health and life insurance are the two most widely known, but there are several other services that are worth your consideration. Trauma / Disability insurance is generally known as a lump sum product where you get paid out a lump sum when you have a critical illness. And income protection replaces the income you will lose while you're not able to work. If you think you can protect yourself against more, chat with us to see what packages will be best for you.