Here’s the latest news about investing, retirement planning, pension transfers and more.

 

 

financial advice to improve life

How Financial Advice Can Improve Your Life

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.


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how you can save money and the planet

How You Can Save Money and the Planet

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.


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Working from home

Work From Home Experience of Kiwi Men & Women

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.


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health insurance

Personal Life and Health Insurance Uptake on the Rise

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.


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Money mishaps and how to prevent them

Money mishaps and how to prevent them

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.


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Early retirement sounds good, but is it for you?

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?


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Kiwisaver - Kiwis for Retirement

Debunking five KiwiSaver misconceptions

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.


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Sale of Russian investments

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.


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Money lessons in the new normal

What will happen to investments in Russia and Ukraine?

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. 


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Life insurance - couple

Did you know this about life insurance?

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.


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How to get your financial literacy on

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.


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Six apps to try this year

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.


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What’s your post-65 KiwiSaver plan?

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.


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Clearing a path to realise goals

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.


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Assessing your financial life

Getting it covered: Helpful tips for assessing your financial life

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.


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Covid-19 is prompting us to protect our financial wellbeing

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.


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Emotions and risk in the world of investing

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.


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Market Update: Feeling the (inflation) pressure

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.


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Assessing your financial life

Life cover “key” to closing New Zealand’s protection gap

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.


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Have a party! Celebrating wins drives possibility

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.


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Responsible investing keeps gaining steam in New Zealand

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.

 


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KiwiSaver - How prepared are Kiwis for retirement

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.


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Money lessons to take into the ‘new normal’

With recent events bringing a wave of changes to Kiwis’ lives, the pandemic has certainly been a key time for personal finance lessons – which will be worth keeping in mind in the years to come.      

Here are six key money lessons that we can take with us into the future.


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Life insurance - couple

When it comes to financial wellbeing, ‘knowledge is power’

What does financial capability mean? Put simply, it’s the “ability to manage money well”; your behaviours, attitudes, and knowledge when it comes to money. 

Here are some key things to know.


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Mum and daughters

Time to check what you’re covered for?

If you already have insurance, but it’s been a while since you reviewed it, then an insurance refresher might be worth your while. One thing we have all learned all too well in the last year, is that life is unpredictable – and it’s important to ensure you have appropriate financial protection for it. 


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Market Update: Weathering current uncertainty

New Zealand’s second nationwide lockdown has been a reminder that we live in uncertain times. And while the return of restrictions is unsettling for many New Zealanders, the move was also largely expected – a case of ‘when’, rather than ‘if’.


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Your six-step self-care toolkit

Once again, New Zealanders are pulling together to stamp out Covid-19. In times like these, it’s more important than ever to take care of each other and ourselves.


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Press Release 10 June 2021 - Britannia refreshes branding to NZBritannia - Retire Better

New Zealand’s leading provider of UK pension transfer services, Britannia Financial Services is pleased to announce a range of improvements to the schemes it manages. To mark these changes, Britannia is refreshing its branding. CEO Gavin Dixon explains...


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Understanding what is possible makes it easier to invest and plan for retirement

Understanding what is possible makes it easier to invest and plan for retirement

We save for retirement so we can have a comfortable lifestyle. Our retirement is directly impacted by how much we have saved. What if we changed our mind-set and asked; what could we do in retirement? What options are available to me, and how can I achieve them? Read on to see how financial planning can help you to start focusing on what is possible, planning to make it probable and delivering an outcome that you want.


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Property investment for retirees

Property investment for retirees

If you are in or nearing retirement you are probably thinking about what investment option will give you the best bang for your buck. We asked financial commentator Liz Koh to share her thoughts on property investment for retirees.


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Market Update

Market Update – quarter ending 31 December 2020

2020 – what a year! Our latest market update summarises the highs and more numerous lows of 2020, and what some common concerns for 2021 are for investors. True to form, 2020’s end was as dramatic as the start but we see light at the end of the tunnel.


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Understand Maths and Biases

The importance of understanding maths and biases when investing

The world’s attention continues to focus on Covid-19, though sometimes, for better or worse, the elections have provided a distraction. We’ve decided it is appropriate to make lemonade from our Covid-19 lemons and see what financial lessons can be learned. Read on to find out how important it is to understand maths and personal biases when it comes to your investment.


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Retirement just got easier thanks to Britannia Financial

Retirement just got easier thanks to Britannia Financial

Thinking about your retirement doesn’t mean daydreaming about international holidays. It means creating the best financial plan to cover all your retirement years. Britannia can help you plan and access your funds correctly by turning your investment into a regular income. Read on to find out more.


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Covid-19, Elections in NZ & the US & New Zealand’s economy

Covid-19, Elections in NZ and the US, and New Zealand’s economy - a general market update

Investment markets and global economies have all been affected by the Covid-19 pandemic. Can we recover and will the upcoming elections affect New Zealand? Take a look at our general market update and get in touch if you have any questions.


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The importance of life insurance in 2020 | Timely Tips from an Industry Pioneer

Life insurance in times of uncertainty: tips from an industry pioneer

Why is life insurance more important than ever in 2020? New Zealand life insurance industry pioneer, Ian Wallace has some sound advice for all.


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Should I change my investments if the markets are unstable?

When the markets are unstable, should I withdraw, change or stay the course when it comes to my investment strategy?

When the markets are unstable, should I withdraw, change or stay the course when it comes to my investment strategy?
Knee-jerk reactions are common when investment markets are unstable, but whatever you do, resist making any withdrawals, or changes to your investment strategy without talking to your Britannia scheme adviser first.


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Britannia Financials Trusted Advisers will help

Should I withdraw or change my investment strategy when the markets are unstable?

Knee-jerk reactions are common when investment markets are unstable, but whatever you do don’t withdraw, or change your investment strategy, without talking to a Britannia Financial Adviser first.


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Martin and partner Rosa who he met in Panama

Risk-filled life & Risk-Free Investments | Britannia Financial

Unlike most of our clients, Martin chooses a nomadic lifestyle. While that may appear risky, his investments are conservative. Britannia Financial is there to help you make investment choices that suit you. Discover why Martin has made his choices in the following article.


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Market update

Market update – what’s the market doing mid-Covid-19?

Now that the world has been tackling the trickiest aspects of the Covid-19 situation for nearly six months, where does the market stand? Has the worst happened, have we managed to hold it all together with only minor losses, or is the worst still to come? While Britannia Financial can’t predict the future, we can offer an informed insight into the current situation.


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retirement-aspirations

Do you have concerns about your retirement aspirations at this time?

Respecting that the current environment is unprecedented, you may be looking for some reassurance. Mindful of this, we hosted a 30 minute webinar covering off some of your questions.


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Alun Rees-Williams

What should I do with my retirement investments during the COVID-19 pandemic?

As a Director and an Authorised Financial Adviser at Britannia Financial Services Ltd, Alun Rees-Williams is a trusted voice to his many thousands of clients. With over twenty-five years in investment and retirement planning, Alun has been answering key questions from his clients since the start of the COVID-19 era. He also has an investment option which investors should consider.


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Will you have to work after you retire?

Will you have to work after you retire?

Retirement requires sound financial planning. If you have been looking forward to retirement it may come as a nasty shock if you discover you will have to keep working. Have you thought through the ramifications of retirement? Thankfully, Britannia can help.


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Are You Ready for Those Other ‘Gap Years’ – The Frightening Ones?

Are You Ready for Those Other ‘Gap Years’ – The Frightening Ones?

Do you have your retirement planned? Are you confident you’ve made the right choices and done the maths correctly, or is there a gap between what you think your retirement funds will cover and what they actually will? Getting expert counsel from our financial advisers may reveal hidden costs and pitfalls. But it could also show you a way forward that will be the difference between mere survival and a comfortable retirement. It did just that for Oliver and Lisa McDougall.


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What’s the deal with Brexit?

How will Brexit affect your pension?

Will your pension survive Brexit’s political machinations? That all depends on whether Brexit happens with a deal in place or without one. Talk to Britannia before you do anything.


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Sell the family home?

3 ways downsizing may not fund your retirement and 3 things to do about it

Hoping that downsizing will provide all the retirement finances you need? Unfortunately, it may only buy you three years. You need other easily accessible financial options, like Britannia’s Lifetime Income Fund.


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Retirement

So, when did retirement become a ‘thing’?

Are you looking forward to your retirement with enthusiasm, confidence, concern or with trepidation? Britannia Financial can help you enjoy your retirement years, hopefully even more than you enjoyed your twenties!


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safe-investment

How to ensure your investments are as secure as they can be

No one knows what will happen in the next few years. But here’s the good news - your investment with Britannia Financial is designed to give you confidence it will perform well, compared to others, now and in the future.


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prescribed-investor-rate

Do we have your correct PIR?

Do we have your correct PIR? It’s important that we have your current Prescribed Investor Rate (PIR). If you’re not sure what this is or what you need to do, please read on.


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Retirement

Can you make your retirement work for you?

What have you set in place to have a fixed monthly income for your retirement? Is it insured? Who benefits when you die? You need to think about that now!


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retirement-cost

Do you know how much retirement costs?

Retirement is expensive, and that’s because what you want and what you need to fund that vision, are two vastly different things. There are many things to consider when it comes to retirement: Inflation, rising medical costs, the cost of living, not to mention rental or mortgage payments. Are you wanting a ‘no frills’ lifestyle or one that allows you to have choices? Depending on your answer you will need to save between $492,000 and $785,000 (or potentially more depending just how many “frills” you want).


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Investing for Retirement

Retirement – 4 Tips for Lifetime Retirement Income in New Zealand

The first rule of retirement income is ‘make sure you never run out of money.’ The second rule of retirement income is – you guessed it – ‘make sure you never run out of money.’ ...


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Time To Travel

You’ve come this far, now it’s time to really travel.

You probably know many people who can’t wait to see the world when they retire. You might have this goal yourself. Our advisers frequently hear their clients saying that their main retirement goal is travel, which is not...


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Lifetime Income Fund

Lifetime Income Fund - does exactly what it says.

Term Deposits, or TDs, are familiar to most people. And, they have their place; an easy and low-risk investment. Choose your time frame, the amount you want to invest and the interest rate that suits you. The big four banks offer...


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Plastic-free July

Opportunities to reduce plastic popped up all over the place.

In a previous edition of Money Matters we mentioned about our team’s commitment to Plastic-free July. We’re happy to say it went very well. It was challenging, eye-opening and helped us discover lots of ways to reduce...


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Current details

If any of your details have changed, please take a moment to let us know.

As a trusted expert in financial matters who’s dedicated to your prosperity, there are many reasons we need to stay in touch with you. For a start, we need to confirm your PIR rate and update you on the status of your...


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Join us for Plastic Free July

Join us for Plastic Free July

The Britannia team have signed up for Plastic Free July which means that we’ve joined the #ChooseToRefuse global challenge, and we’d love you to join us. Quite a few of our team members are already doing a pretty ...


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Protect your retirement nest egg from a market crash

Protect your retirement nest egg from a market crash

If you’re nearing retirement, a sudden market crash could impact your life savings and therefore your retirement aspirations. And as you no longer work when you’re retired, you won’t have the opportunity to ride out ...


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An honest discussion about your retirement plan, quite frankly, pays off

An honest discussion about your retirement plan, quite frankly, pays off.

The most recent addition to the Britannia family is Louise Parker, an experienced Authorised Financial Adviser who’s helping our existing clients plan their financial future. One thing that drew us to Louise is that she genuinely cares ...


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Saving you from KiwiSaver's pitfalls

Just being in KiwiSaver doesn’t mean you can kick back and assume everything will be fine.

Just being in KiwiSaver doesn’t mean you can kick back and assume everything will be fine. There are lots of hidden factors to consider, so we’ve put together a list of KiwiSaver ‘watch outs’ which your Britannia adviser ...


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Financial Planning for Retirees

How to retire in style

Have you heard of the annual Retirement, Lifestyle & Travel Expo held each year in Auckland? It’s a popular event for lots of people, from retirees to caregivers, baby boomers and anyone who’s interested in living their best life after work. ...


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Financial Planning News

A fresh new Britannia

We’re all about helping our clients plan for a great retirement and we’ve kick-started 2019 with some exciting developments that will help us do just that. ...


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UK and NZ Pensions

The couple who lived too long

Asked why they needed money, the response from an Auckland couple was heart-breaking: “We didn’t expect to live this long.” ...


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Enjoy a Happy Retirement with Britannia Financial

From Britannia’s CEO Gavin Dixon

You may be aware that investment markets dropped in the final quarter of 2018, which ...


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Planning for Retirement

Moved from the UK? Four reasons why your pension should be moved here too | Britannia Financial Services Ltd

Are you originally from the UK and now living in New Zealand, and thinking it may be a permanent move? While you could continue receiving a pension from the UK, many expats are choosing to transfer their pension funds to New Zealand. Here are the key reasons why: LESS STRESS, MORE CONTROL ..


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Money Matters

Keeping steady on shaky ground (Members of the Britannia Retirement Scheme)

Since early October markets have become more volatile, with good and bad news battling it out. Investing for retirement means ...


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Money Matters

Keeping steady on shaky ground (Members of the Britannia Superannuation Scheme and the Britannia Superannuation Scheme 2012)

Since early October markets have become more volatile, with good and bad news battling it out. Investing for retirement means ...


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Money Matters

Giving loved ones the gift of a will

Just about everything in life is more fun than thinking about what happens when we die, or become incapable of making choices about ourselves and the things we own. ...


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Money Matters

Remember Emma? She’s loving the Kiwi lifestyle

Just over a year ago we introduced you to Emma Johnson, a UK migrant who moved to New Zealand immediately after winning flights in a Britannia competition. ...


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Finance News

Man enjoys $800k surprise | Britannia Financial Services Ltd

Billions transferred here in pension funds – but experts say there are risks as well. People are transferring billions of dollars to New Zealand from UK-based pension schemes – but most have no idea what their funds are worth. So says Alun Rees-Williams, director of Auckland-bas..


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Retirement News

"A bit of bother" nets $140,000 | Britannia Financial Services Ltd

Woman who thought she had $30,000 in her pension scheme ends up with $170,000. Donna Mathewson had 140,000 surprises after transferring her UK pension to New Zealand – all of them dollars. Mathewson (not her real name), now retired and living in Auckland, had lived and worked in Brita..


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Retirement Planning

How to avoid pension scams | Britannia Financial Services Ltd

Fraudsters target UK-based pension schemes with lure of high returns to transfer to NZ. Expat ‘Brits’ thinking about transferring their pension schemes to New Zealand are being urged to watch out for scammers looking to fleece a share of their nest eggs. Authorities both here..


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Retirement Income News

Brexit may affect pension schemes | Britannia Financial Services Ltd

Thousands of Britons & Kiwis’ investments may suffer if Brexit helps cause an economic downturn. One of the key elements in any kind of investment scheme is alertness – and around the world, millions of British expats are on high alert about Brexit. That applies to the ro..


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UK and NZ Pensions

The couple who lived too long | Britannia Financial Services Ltd

Running out of money in their retirement years forces some people into desperate measures. Asked why they needed money, the response from an Auckland couple was heart-breaking: “We didn’t expect to live this long.” For Beryl and Edgar Charles (not their real names), lif..


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UK & NZ Pension Comparisons

How many of us will work until death? | Britannia Financial Services Ltd

Nearly a quarter of all seniors are still in jobs – and the number is likely to rise. Record numbers of Kiwis are working beyond 65 and face an uncomfortable truth: they may have to keep working until the grave. Statistics New Zealand figures show 24 per cent of those 700,959 eligi..


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Worked to death?

The fallacy of downsizing | Britannia Financial Services Ltd

Many Kiwis need other ways to fund retirement apart from selling the family home. It’s supposed to be the comfortable cushion for baby boomers and many approaching retirement: sell the family home and downsize. But recent research shows that, for many people, downsizing may only..


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Financial Planning News

How Britannia can revolutionise your retirement

In the last issue of Money Matters we talked about the difference between how much money people need when they retire, and the amount provided by New Zealand Superannuation. ...


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Financial Planning News

Four simple tips for a rewarding retirement

The first rule of retirement income is ‘make sure you never run out of money.’ The second rule of retirement income is – you guessed it – ‘make sure you never run out of money.’ ...


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Money for Retirement

Investing in a moving market

February 2018 provided the first breathless financial headlines for the year ...


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Plan your Retirement

Tracey’s South Island travels

In this issue of Money Matters we’re delighted to introduce you to our Operations Manager ...


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Product Disclosure Statements for the Britannia Retirement Scheme and the Integral Master Trust are available from the Schemes' issuer, Britannia Financial Services Limited, phone 0800 500 811. Financial Advice Disclosure Statements are available for Britannia Financial Planning Limited here and for Britannia Financial Services Limited and Britannia Nominees Limited here.

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