- By John Bell, of Kauri Wealth
As you get closer to retirement, KiwiSaver stops being just a savings account and becomes one of the most important financial tools you have.
The goal isn’t simply to “cash out and hope for the best” – it’s about setting things up so your money lasts as long as you do.
A smart approach is to split your KiwiSaver based on what you need now and what you’ll need later.
The portion you’ll soon rely on should sit in lower-risk funds to protect it from market swings.
The rest can stay invested in growth so it continues working in the background, helping stretch your savings over a longer retirement.
This balance gives you stability today and potential growth for tomorrow – a blend that helps you maintain your lifestyle and peace of mind throughout your retirement years.
If you’re nearing retirement and want to make sure your KiwiSaver is set up properly, I’m here to help.
I offer free, independent advice with no provider ties – just clear guidance to help you protect what you’ve built and keep your money working for you.
Reach out any time for a quick chat.
- John Bell phone 021 025 29994, email john@kauriwealth.nz.
