NZBritannia articles

Stay informed with our latest market update, discussing inflation trends, central bank actions, and the performance of key economies. Discover valuable insights for Integral Master Trust investors and the wider investment community in New Zealand.

Discover how behavioural biases like loss aversion, framing, and anchoring shape investment decisions and outcomes. This article delves into the emotional factors influencing investors and offers insights for improving long-term investment performance.

Stay informed with our Q4 2024 Market Update, covering economic trends, central bank moves, and strategies for navigating market volatility. Find clarity in uncertain times with a focus on long-term investment goals.

Investment strategies require regular reviews to ensure they remain aligned with your financial goals and personal situation. This article outlines key factors to consider when reviewing your portfolio to keep it on track.

As a homeowner, having the right personal insurance is essential to protecting both your home and your family’s financial future. This article breaks down the key types of insurance you should consider, including life insurance, income protection, mortgage protection, and trauma insurance. Learn how these insurance types can safeguard your most valuable assets.

Discover what's involved in creating a comprehensive retirement plan. Learn how to assess your financial situation, define retirement goals, estimate expenses, and develop strategies for a secure future.

Explore the key types of insurance—health, trauma, and income protection—that safeguard your personal and financial wellbeing. Learn how each can help you maintain financial stability during serious health challenges.

For many expatriates, including New Zealanders who lived in the UK and built up a pension there, deciding whether to transfer their UK pension to New Zealand is a significant financial decision. Here’s a look at some important considerations when thinking about transferring your UK pension to New Zealand.

It’s rather like waves at the beach: one wave crashes in, recedes, and another follows. Similarly, markets generally tend to surge with good news and retreat with bad news, influenced by macroeconomic factors like inflation and interest rates, and more recently, divergent economic recoveries.

In New Zealand, medical insurance typically covers PHARMAC-approved drugs as standard, but only a few policies include coverage for non-PHARMAC (yet Medsafe approved) drugs. This situation highlights the importance of knowing if your medical insurance includes Medsafe-approved drugs not funded by PHARMAC or consider obtaining such coverage if needed.

Experiencing a medical crisis can be one of the most challenging events in a person's life, impacting them financially, emotionally, and physically. During these critical times, having the right support is essential to not only manage the immediate impact but also to ensure a stable pathway to recovery. This is where trauma insurance becomes invaluable.

You’re likely familiar with health insurance, and you might have come across trauma insurance as well. But are you aware of the differences between the two? Read on to find out more.

Discover the path to financial independence with actionable steps including goal setting, savings plans, investment strategies, income diversification, progress tracking, and expert guidance.

Explore the far-reaching impact of sound financial advice on various aspects of life, from retirement planning to investment strategies.

How financial advisers demystify complex financial concepts, making them accessible and understandable for everyone.

Financial worries are escalating among New Zealanders, impacting health and relationships, according to new FSC data. Despite stable financial confidence, concerns about the economy persist.

FSC warns many New Zealanders underestimate insurance value despite financial confidence. Cost and lack of understanding cited as major barriers. Learn more.

When it comes to investing, there's no "one size fits all". Here's some key things to consider to help determine an option most appropriate to you.

In an uncertain world, preparing for the unexpected is not just prudent; it's essential. Total Permanent Disability insurance (TPD) can assist with providing financial stability when life takes an unforeseen turn. At NZBritannia, we understand the importance of not just having insurance, but having cover that aligns with your unique needs.

Transferring your UK pension to New Zealand is a significant financial decision that requires careful consideration and planning. NZBritannia is dedicated to making this process as seamless as possible, ensuring that your hard-earned savings are transferred efficiently and securely.

Learn how to adjust your investment strategy to match life's different stages, from starting out to retirement. Read on to find out more.

Learn why your insurance premiums fluctuate and how factors like inflation, age, policy changes, industry trends, and level options impact your insurance costs

In this Market Update, we examine how Central Banks continue to balance curbing inflationary pressures with sustaining economic growth, and how this balancing act is impacting markets, performance shifts in sectors, the outlook for the NZ economy, and more.

Transferring your UK pension to New Zealand marks a significant step in your financial journey, particularly when considering retirement. It's more than just moving funds; it requires a thoughtful strategy to ensure long-term financial security.

How long would you manage without your usual income? For many, the answer is likely not very long. However, insurance offers a solution. Income protection cover provides peace of mind, ensuring your bills are covered even if you're unable to work temporarily.

David Knox from Mercer brings vital insights into KiwiSaver, highlighting crucial adjustments for a rewarding retirement. Keep reading to see if your KiwiSaver investment is working optimally and learn easy tweaks to ensure it's on track.

For many New Zealanders, KiwiSaver is a vital component of retirement planning. This guide delves into strategies for maximising KiwiSaver contributions and provides some insights and useful tools to help you make informed decisions for your future.

Navigating the complexities of pension transfers can be a daunting task. This guide offers insights and tips on selecting the best financial adviser for your pension transfer.

Learn how to achieve financial success in 2024 with expert tips and strategies.

KiwiSaver is a powerful tool for retirement savings and with a few strategic moves, you can enhance its impact on your financial future. Read on to find out how to optimise your KiwiSaver plan.

Insurance advisers can be an invaluable asset to help you protect yourself, and those you love. Here are a few key questions you may want to ask your adviser at your next check-up.

As 2023 ends, New Zealand faces inflation challenges and market uncertainties. Read more for insights on building resilience in the evolving economic landscape.

How much money do I need for a comfortable retirement? It's a key question to ask yourself but one thing is almost certain: NZ Super alone is unlikely to be enough for any kind of retirement. Read on to learn more.

In this article, we provide some clarity about which UK pensions can be moved to New Zealand and highlight important things to think about.

Understanding insurance policy terms and conditions can often be an overwhelming experience. In this guide, we’ll help demystify some common insurance policy terms to ensure you have the knowledge to make informed decisions with clarity and confidence.

Making the decision to start planning for retirement is a pivotal life moment, and in New Zealand there are numerous investment options to secure your later years. The question remains: should you manage your investments personally or collaborate with a financial adviser? In this guide, we'll explore the pros and cons of both options to help you make an informed choice tailored to your retirement aspirations.

In this guide, we'll explore the key steps for a smooth transfer of your pension assets from the UK to NZ. By understanding these steps you can optimise your pension transfer experience.

Kiwi parents are facing financial stress at an alarming rate, but there is hope. With the right guidance and financial strategies, parents can overcome these challenges and pave a brighter path forward for their households. Seek professional financial support today and start working towards your financial well-being.

KiwiSaver is a vital component of New Zealanders' retirement planning. However, over time, you may have wondered if you're with the right provider for your needs. While switching providers isn't mandatory, understanding the process and factors to consider can help you make a well-informed decision.

It's never too late to start saving for retirement. Even if you're a late starter, there are still strategies you can use to catch up and reach your retirement goals. This article provides tips on reassessing your financial goals, creating a budget, increasing your retirement contributions, considering delaying retirement and seeking professional financial guidance.

Is selling the family home a sensible plan to fund retirement? With property values having increased in recent years, even allowing for the softer property values we’ve experienced lately, it has always sounded like a reasonable idea. But research has shown that, for many people, downsizing isn’t a “silver bullet” and often buys only a few years of comfortable retirement living.

Financial literacy isn't just for adults; learn early in life, it can benefit your children now and in the future. Of course, each parent’s approach may vary, but the following five ‘money lessons’ are a good place to start.

When it comes to your financial health, a solid insurance plan is just as essential as a balanced diet is for your physical wellbeing. Whether you're new to personal insurance or are looking to plug any gaps in your existing coverage, you're in the right place. We've compiled some key considerations to help you build a comprehensive insurance plan.

With KiwiSaver being one of the most popular retirement savings schemes in New Zealand, are you confident you're making the most of your investment? Read on to learn more about what to look at when running your KiwiSaver numbers.

Learn from financial setbacks: embrace resilience and take proactive action. This article explores constructive steps to overcome hurdles and regain stability.

Uncover the financial benefits of eco-friendly living! From energy-efficient appliances to eco-friendly commuting, learn how going green can save you money while benefiting the planet

Discover the power of insurance in safeguarding your lifestyle and dreams amidst unexpected health issues and debt management challenges.

Have you ever found yourself making investment decisions based on a gut feeling or reacting impulsively to market news? If so, you may have fallen into the trap of emotional investing – which can get in the way of your financial goals.

In today's interconnected world, cyber threats are evolving and becoming increasingly sophisticated. What’s more, they’re targeting businesses of all sizes and people from all walks of life, and often, these threats are difficult to spot until it's too late.

As New Zealand continues to navigate through unpredictable times, financial protection has become increasingly crucial. And in a country where the population numbers are slightly over five million, insurance plays a significant role.

According to a recent study, Kiwis are opposed to raising the pension age and means-testing NZ Super, but are open to increasing taxes to avoid burdening future generations. Here are some interesting findings.

This year has mainly focused on inflation and the debate about global interest rate increases' effectiveness. Here is a glimpse into what’s happening in the markets and the economy in this quarterly market update for 2023.

You may have heard of trauma cover and wondered what it actually is. So, what does ‘trauma’ actually mean? And how can it help you? Here's what you need to know about trauma insurance and what it offers you.

The government offers a member tax credit to every qualifying KiwiSaver member, every year. If you meet the contribution criteria, there is $521.43 available annually, and many people are missing out.

The Financial Services Council released its latest quarterly data on personal insurance in NZ. Here are some key takeaways, highlighting the value of getting cover for life’s what-ifs.

Do you have enough insurance for your biggest asset? If you’re like many New Zealanders, you probably answer this question by saying: “Yes, my house is fully insured.” For many of us, this isn't our biggest asset. 

When it comes to insurance, the key thing is to have an appropriate level for your needs – not too much, not too little. Here are the signs you might be overinsured.

Finance Minister Grant Robertson announced that the 2023 Budget will provide solutions to some of the key challenges that New Zealand is currently facing. Read on to learn more.

You probably have some idea of what you want your retirement to be like but do you know where your income will come from? Here’s what you need to know.

If you are thinking about meeting an adviser for the first time, or it’s time for a check-up, here are a few key questions you may want to ask.

When markets are fluctuating, or asset prices are falling, the advice is to stay put to avoid ‘locking in your losses’. But what does that really mean?

Inflation is likely to remain the key topic in 2023 and most economists agree that we’re in for more interest rate increases. Read on for more on this.

Who doesn’t love a sale? A key part of investing success is knowing what to do when the value of your investments is moving around – and how to benefit from the resulting “sale”. Here are five things to keep in mind.

As the cost-of-living pressure has gone up, financial resilience is more important than ever and insurance can help you shore up your defenses. Read on to find out more.

Inflation can be a bit of a headache for people at all stages of life. Here are a few ways in which inflation may affect your retirement planning, and what you can do about them.

According to research from the Financial Services Council (FSC), Kiwis’ financial confidence is growing, but there are signs that this confidence may be misplaced. Here’s what the survey found.

As we draw closer to the end of the year, it’s time for our last quarterly update for 2022, once again looking at the many moving parts that are influencing the investment markets.

How long could you cope without your regular income? If you’re like a lot of people, the answer is probably not very long. But insurance can help you. Having income protection cover means having some peace of mind that, even if you were not able to work for a while, your bills could still be covered.

With homeownership rates falling and people taking out bigger mortgages, an increasing number of New Zealanders are entering retirement renting or with an unpaid home loan. Read on to learn how housing has changed over the past decade - and the impact on retirement outcomes. Read on to learn more.

There are lots of factors that make KiwiSaver a good option – but then what about all the other managed funds that are available? Here's what to think about if you're trying to decide where to put your money.

It has been another interesting quarter in the markets, with many moving parts, persisting uncertainty and volatility, but also numerous opportunities for investors to seize. In this quarterly update, we will give you a snapshot of key factors and trends to watch out for.

Getting insurance is a vital instrument for financial planning. NZBritannia shares some common misconceptions and busts the myths about insurance.

Experiencing a serious illness can bring about a great deal of stress – not just emotionally, but financially too. To help Kiwi patients navigate their financial journey, the Cancer Society and Sorted.org.nz have recently created a handy guide to ‘Managing your money after being diagnosed with a serious or terminal illness’.

New Zealand’s superannuation system is a real asset for this country. It’s a virtually universal payment that has been credited with keeping older generations out of poverty. Anyone who turns 65 is eligible, provided they meet residency criteria. So how does the scheme actually work?

In this market update, we’ll once again take a closer look at the factors and trends currently playing out in the global economy. And as always, we’ll share some practical guidance for investors looking at navigating this complex environment with confidence.

When you’re thinking about taking insurance, you often face one key question early in the process: do you turn to an adviser for some assistance, or go it alone? While Kiwis are a nation of DIY-ers, there are some important reasons why an insurance adviser can be an invaluable asset in your financial life.

More and more New Zealand businesses are bucking the trend and tackling climate change. According to an annual survey* by Stats NZ, in the past two years, 35% of businesses invested in measures to reduce their carbon footprint or adapt to the potential impacts of climate change.

When it comes to retirement planning, knowing the NZ Super rate for your circumstances is a good place to start. As of 1 April 2022, the rates have increased. Read more to find out.

Is reusing and recycling rather than buying new a good way to boost your finances, and the health of the planet? With a closer look at thrifting and upcycling, you might unearth ways of refreshing the look of your home and wardrobe at a much lower cost to both your wallet and the environment.

The independent research, commissioned by Financial Advice New Zealand, asked approximately 2,000 people about their financial goals and aspirations, and how working with an adviser help them make relevant changes.

With more and more Kiwis embracing the ‘remote work’ trend, new research has looked more closely at the actual benefits and challenges faced by New Zealand workers. And what it found is that the experience is different, and often more challenging, for women. Read on for some interesting takeaways from the ASB/NZIER survey.

More and more people in New Zealand are getting personal insurance – including health, life, income protection, trauma insurance and more. And according to the Financial Services Council (FSC), it might a ‘side effect’ of the pandemic. Read on to find out more.

How can you stay on top of your finances? According to research by the Commission for Financial Capability, there are some mistakes that Kiwis commonly make with their money. Here are some behaviours you can build, to avoid those mishaps and support you on your financial journey.

KiwiSaver is helping millions of New Zealanders save for retirement and purchase their first-home. But some common misconceptions may be keeping some people from joining the scheme, or even make the most their existing KiwiSaver savings.

Many people may have the goal to exit their busy work lives as soon as possible, and embark on a long retirement journey. After all, what’s better than being able to do all the things you’ve wanted to, whenever you want to?

Russia’s invasion of Ukraine is a tragedy that is unfolding in front of the world. NZBritannia’s Environmental, Social and Governance policy addresses a wide range of concerns, including human rights abuses and Russia’s actions in the Ukraine do not fit with NZBritannia’s values.

On Tuesday 22 February, Russian President Vladimir Putin announced that he was ordering troops into Ukraine, ostensibly to “maintain peace” in separatist provinces that Russia had just recognised as being independent. As can be expected, this is viewed by Ukraine and the Western powers (primarily the US and European Union, but they are supported by countries like Australia and New Zealand) as being tantamount to an invasion, and there are sanctions being imposed.

Whether you already have life insurance in place, or you’re looking at your options for the first time, there might be things that you don’t know about life cover. Here are some things to consider, to help you structure your cover in a way that’s most appropriate for you, now and in the future.

According to the latest Financial Resilience Index, money worries are a reality for many New Zealanders. The good news is, financial literacy can help you plan for the future, achieve peace of mind, and ultimately improve your personal and financial wellbeing. Here are some steps you can take to give financial literacy the attention it deserves.

Pretty much everyone has a smartphone. But are you getting the most out of yours? We’ve put together a list of some popular apps of 2021, to make your device an ally for your New Year’s resolutions.

Looking forward to the day when you can finally tap into your KiwiSaver? Whether you’re nearing retirement or simply thinking about the long term, it’s good to have a plan in place to make your retirement nest egg last for as long as you need it to. So, here are some key things to keep in mind.

It’s that time of the year again – time to take a look back and plan ahead. And because 2021 has been nothing like any other year, you may feel the need to start 2022 with renewed financial confidence and peace of mind.

Sometimes the biggest barrier between us and our goals is –ourselves. It happens when we have unhelpful financial behaviours or biases that we may not even be aware of, which popup and knock us off course. So, it can be a good idea to take some time to examine your own responses to financial situations, and consider whether any of these common mindsets might be blocking your path to financial success.

Is the pandemic changing your perspective in life? Whether in terms of health, finances, or future plans, people across the world saw their views shift in light of Covid-19. And new research from Ernst & Young (EY) shows how this shift ‘prompted interest’ in getting insurance as protection. Here are some key things to know.

It’s been three months since our latest Market Update (Weathering current uncertainty – August 2021), and back then, New Zealand had just entered its second nationwide lockdown. No one could have predicted that Covid-19 restrictions would be a marathon, rather than a sprint this time.

Thinking of dipping your toes in the investing world? Investing is one of the key financial decisions you can make, and it’s a road with both risks and rewards.

Latest research from the Swiss Re Institute has revealed some important insights into New Zealand’s underinsurance, and what can be done to close the protection gap. So, here are some key things to know.

As it turns out, more and more Kiwis are embracing responsible investing. According to the latest Responsible Investment Association Australasia (RIAA) report, the market for responsible investing is “soaring in popularity” – twice as fast as overall managed investments.

Busy working towards your goals? As you move ahead in your financial journey, you may find yourself thinking about that next step, then the next step, and so on. Here’s some food for thought on your way to long-term financial wellbeing.

Are you relying on KiwiSaver to save for your retirement? Most Kiwis are– with 80 per cent of the respondents saying they use or have used the scheme to fund their future nest egg.