Long-term Investing. Clear Guidance
Evidence-based portfolios, continuous risk management, and straightforward reporting for better outcomes, with Wealthpoint North.
Making an Investment
Planning for retirement can feel overwhelming, especially when considering how much you need each week and how long your savings should last.
Questions about retirement age, savings goals, and risk tolerance are common concerns. Our experienced financial advisers at Wealthpoint North are here to assist you in Northland, from Kaitaia to the North Shore.
We offer tailored investment advice to help you confidently navigate your retirement planning journey.
Investment Advice Process
Securing your financial well-being is crucial. Our investment advisers can help you choose the right investment options to align with your financial goals, whether it's through KiwiSaver, managed funds, or other investment portfolios. All solutions are approved by Wealthpoint Ltd after extensive research, ensuring they meet the highest standards. Our team adheres to the Code of Professional Conduct, always putting clients first.
Stage 1: Understanding
Assess your wealth objectives, preferences, and risk tolerance.
Stage 2: Investment Strategy
Develop a customised investment strategy that aligns with your goals and risk appetite.
Stage 3: Fund Selection
Choose top-performing fund managers suited to your requirements.
Stage 4: Portfolio Construction
Build and maintain a portfolio optimised for current market conditions.
Stage 5: Reporting & Review
Regular reports, tactical asset allocation and annual reviews, with 24/7 access to your online portfolio.
Kiwisaver
KiwiSaver is a voluntary retirement savings scheme offering regular contributions from your salary or direct payments to your provider. One of the Wealthpoint North expert Kiwisaver advisors will provide support to select the best KiwiSaver scheme for your needs, ensuring your fund performs well and aligns with your savings timeframe, risk profile, and personal values.
Understanding KiwiSaver
KiwiSaver is a voluntary work-based savings initiative that makes it easier for you to save for your future.
Contributions typically range from 3% to 10% of your gross salary, and employers must contribute at least 3% for employees aged 18 to 65.
In addition, you may be eligible for a government co-contribution of $0.50 for every dollar you contribute, up to a maximum of $260.72 per year.
Changing Your KiwiSaver
Contributions are usually 3–10% of gross salary; employers must contribute at least 3% for ages 18–65, and you may get a government co‑contribution of $0.50 per dollar up to $260.72/year.
Switching KiwiSaver providers or funds is straightforward and you can change contribution rates or make voluntary payments, but consider professional advice to ensure choices match your long‑term goals.
Eligibility and Withdrawals
Join KiwiSaver if you're a New Zealand citizen or resident. Automatic enrolment occurs with new employment, but opting out is possible within a given timeframe. Withdrawals are generally reserved for retirement, with exceptions for specific circumstances like buying a home or significant financial hardship. For any changes or withdrawals, consult with our team to ensure your funds align with your current situation.