Financial
Intelligence
for New Zealanders.
Original analysis, planning perspectives, and market commentary written for people who want to understand their money, not just manage it.
We translate complexity into clarity, so you can make decisions with confidence.
Planning Guide
The Five Years That Decide Your Retirement
Why sequence risk matters more than your average return
Two retirees can experience identical average returns over 30 years and end up in completely different places — one comfortable, one running out of money — simply because of when the bad years happened. Research estimates that 77% of a portfolio's final outcome is determined by the first decade of returns alone.
Read the Article
Insights
Investment Perspective
May 19, 2026
The Most Expensive Five Minutes in KiwiSaver History
What the COVID-19 switching data tells us about fear, time, and the cost of inaction
Planning Guide
May 12, 2026
New Zealand Has Solved How to Save. We Haven't Solved How to Spend.
The decumulation gap in our retirement system — and four frameworks for closing it
Planning Guide
May 5, 2026
PIRs, PIE Funds, and the Silent Tax Leak Inside Most KiwiSaver Accounts
The four-letter acronym most members set once and never revisit — and what it costs them
Planning Guide
April 28, 2026
The KiwiSaver First Home Withdrawal: It's the Timing, Not the Mechanics, That Catches Buyers Out
Why the four-to-six-week withdrawal window matters more than the eligibility checklist
Planning Guide
March 31, 2026
The Adviser Premium
Returns, behaviour, and the counsel that keeps long-term plans intact
Investment Perspective
March 24, 2026
The Cost of Caution
Why fund selection shapes your retirement far more than contribution rate
Planning Guide
March 17, 2026
Understanding KiwiSaver in 2026
What the latest changes mean for your retirement
Investment Perspective
March 10, 2026
Why Net Worth Beats Income
The metric that actually predicts financial freedom
Market Update
March 3, 2026
Property vs Shares in New Zealand
A data-driven look at 10-year returns