Smart Adviser

The #1 Mortgage Dilemma: To Fix or Float?

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor While an affordable home loan used to be considered no more than twice the annual household income, limited housing availability, higher property values, and increasing debt limits have driven that level up to an average home loan value of […]

Negotiating your home loan? Don’t be sheepish!

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor When you consider not only the value of your home loan, but the added cost of all the interest that gets piled on top of it, taking the time to find the right home loan is time invested wisely. […]

All You Need to Know About KiwiSaver

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor Planning your financial future is important. However, it can be tedious to go over your options as not all of them are exciting. This is where KiwiSaver comes into the picture. Though KiwiSaver might not be the most highly […]

How to Ensure Financial Stability as a Health Professional

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor The common perception is that a career in the health industry is lucrative and there is greater job security as compared to other fields. However, what most people don’t realize is that financial stability may be elusive even if […]

Stay Calm and Invest More: How to Not Panic When Boom Goes Bust

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor If you want the best financial advice, then follow this simple rule: Buy in gloom and sell in boom. Yet so many of us do the opposite and buy in high markets and panic when the balloon bursts. If […]

Good Debt vs Bad Debt: How To Tell The Difference& Why It Matters

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor Good debt sounds like an oxymoron. Time and time again we hear that all debt is bad. Is there such a thing as good debt? When does taking on debt become a good thing? What is good debt? A […]

If I Knew Where My Money Went, Maybe I Could Invest!

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor It’s payday! You pay all your bills, have a brief period of feeling rich and buying the expensive yoghurt at the supermarket, and then suddenly… your bank balance is low again. How did that happen? Where did your money […]

How Much Do I Need to Retire in Comfort?

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor There’s no easy answer to the question ‘how much do I need to retire?’ It depends on a number of factors and everyone is different. So how much do YOU need to retire? If you do a quick Google […]

The Healthy Financial Life You Want Takes Planning

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor Comprehensive financial planning is something that too few of us think about. In Australia 8 out 10 people don’t get any financial advice at all and the picture is not much better in New Zealand where research has found […]

Drowning in Debt? Sneaky Ways to Get Out of It

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Home Blog What Should I Invest In? NZ Advice for Kiwis July 08 2025 One contributor It’s so easy to get into financial trouble. A splurge, an unexpected expense, and suddenly you’re learning how to turn those 15 cans of chickpeas you have had in the pantry for 4 years into a palatable dinner. There’s […]