Money Matters

Thank you for trusting Britannia to manage your retirement savings.

In this issue of Money Matters we offer some insights into retirement which we hope you enjoy reading.

Don't forget to let us know if any of your contact details have changed. You can call Britannia on 0800 500 811 or email us at

Until next time, stay wealth wise.
The Team at Britannia.


Revolutionise your retirement.


If you plan on retiring comfortably in New Zealand, you’re going to have to address the ‘retirement income gap’. That refers to a gap between how much Kiwis need when they retire, and the amount provided by New Zealand Superannuation. Most people will have to find ways to bridge that gap if they want to maintain their current lifestyle while making their savings last. At Britannia we’ve introduced a fresh approach that can help with this problem. It’s our Lifetime Income Fund and investors receive guaranteed regular payments from their investment, perfect for planning post-work finances.

  Four simple tips for a
rewarding retirement.

We’ve developed four tips to help you get the most out of your retirement.

1. Plan your transition from saving for retirement, to spending in retirement. 
Create a flexible plan that balances savings with retirement spending needs.

2. Don’t put all your eggs in a term deposit. 
Term deposits don’t pay much interest, so it’s best to look for other ways to maximise your savings.

3. Know how much life costs. 
Living costs more than you’d think, so it’s best to start planning how much you’ll need.

4. Try not to outlive your savings. 
Life expectancy is increasing, which means we’re needing more and more once we retire.

  To work or not to work?
Life beyond 65.

According to new research, almost half of New Zealanders plan to help fund their retirement by... not retiring. The survey of more than 2,000 Kiwis was commissioned by BNZ and found that more than 18% were committed to a full-time job past the current pension age of 65, while a further 30% intended to work part-time. Most people chose to keep working for life satisfaction or social reasons, but finance was also a factor. Britannia has plenty of advice for whatever lifestyle you choose after 65.


Disclosure Statements for our Authorised Financial Advisers are available on request and free of charge. The Product Disclosure Statement for the Britannia Retirement Scheme is available here.


Britannia Financial Services Ltd.
Unit 4, 106 Bush Road, Albany, Auckland 0632.
PO Box 302369, Auckland 0751, New Zealand.

Telephone: +64 9 414 4215
Fax: +64 9 414 4219
Toll Free: 0800 28 28 33


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

Need help in securing your financial future?
Call us 0800 28 28 33