A survey of young New Zealanders finds four in ten didn’t view buy now, pay later as debt. That perception can influence how they use it.
- Professor of Finance, Auckland University of Technology
Retirement depends on NZ Super, KiwiSaver and housing. Treating each in isolation risks shifting problems rather than solving them.
Minimum KiwiSaver contributions rise from today for employees and employers. That’s necessary, but the scheme’s design is working against many savers.
The cumulative return on a typical KiwiSaver growth fund since 2007 is around 240%. That’s despite a global financial crisis, COVID, trade wars and inflation.
Asking people to find extra money to lock away in KiwiSaver during a cost-of-living crunch risks pushing them in the opposite direction.
KiwiSaver balances remain shockingly low, and constant changes risk undermining faith in a system that is already failing future retirees.
Since its creation, the KiwiSaver scheme has faced multiple tweaks. But the government’s latest proposed changes risk the system’s transparency and flexibility.
Four Australian banks dominate the banking sector in New Zealand. There has long been concern about whether consumers are getting the best deal, and yet 54% have never changed banks.
New research has found 20% of young people are struggling to keep on top of their ‘buy now, pay later’ debt – leading to long term financial harm.
Sebuah studi mengidentifikasi berbagai karakteristik kepribadian yang memengaruhi cara kita mengelola uang–kamu dapat mengujinya sendiri dengan mengerjakan kuis.
A new study by the Retirement Commission has identified the different personality characteristics that influence how we manage our money – you can test your own with their online quiz.
Personal debt in New Zealand is growing. But instead of hiding the true extent of what we owe, New Zealanders should be talking about how we got here – and what needs to change.
Investment rating companies are measuring the environmental, social and governance impact of businesses. This International Women’s Day, we should be pushing them to do the same for gender equity.
New Zealand introduced KiwiSaver 12 years ago to address a lack of retirement savings. But fees are up to 50% more than UK funds and New Zealanders are missing out on hundreds of thousands in savings.
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