Lost super, KiwiSaver myths, and smarter investing explained simply. In this revisit episode from May 2024, Paula Intercot joins Adviser Talk to discuss transferring Australian super to New Zealand, choosing the right KiwiSaver approach for your life stage, and how complementary investment options can support your financial goals.
Paula breaks down the often-overlooked process of transferring Australian superannuation to New Zealand and maximizing your retirement savings. Whether you're a returning Kiwi with Australian super, looking to optimize your KiwiSaver strategy, or exploring additional investment vehicles, this episode provides practical insights for making smarter money decisions. Paula's expertise shines through as she simplifies complex financial processes and explains how global diversification works within New Zealand-based funds.
Perfect for anyone seeking clarity on retirement planning, investment strategies, or navigating the transfer of overseas superannuation funds.
Note to listeners:
At (00:05:01) Paula discusses the KiwiSaver government contribution and contribution amounts. Please note this episode was recorded prior to recent changes to the government contribution, and the figures mentioned may no longer be current. For the latest eligibility criteria and contribution amounts, we recommend checking official government guidance or speaking with a financial adviser about your individual circumstances.
(00:01:17) What Australian super is and how it compares to KiwiSaver
(00:01:32) Why transferring Australian super to New Zealand can be beneficial
(00:02:05) Clearing up misconceptions about diversification and investment returns
(00:02:25) What happens to your Australian super when you return to New Zealand
(00:03:03) The scale of lost and unclaimed super in Australia
(00:03:24) How Stewart Group helps clients transfer Australian super
(00:03:55) Accessing the Australian portion of KiwiSaver before age 65
(00:04:46) How long the Australian super transfer process usually takes
(00:05:01) KiwiSaver explained and how it works for retirement
(00:06:20) Conservative, balanced and growth KiwiSaver investment options
(00:07:51) What the ACI fund is and how it works alongside KiwiSaver
(00:08:43) When to review your investments and speak to an adviser
The information provided, or any opinions expressed in this show, are of a general nature only and should not be construed or relied on as a recommendation to invest in a financial product or class of financial products. You should seek financial advice specific to your circumstances from an Authorised Financial Adviser before making any financial decisions. A disclosure statement can be obtained free of charge by calling 0800 878 961 or visiting our website, www.stewartgroup.co.nz
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