How to access KiwiSaver funds after separation – The Ex-Files
If you were contributing to KiwiSaver before the de facto relationship started, the simplest method is to take your KiwiSaver balance at the end of the relationship, subtract the balance from the start of the relationship and the difference is the amount attributable to the relationship. Alternatively, you can calculate the amount attributable to the […]
Tax bills & IRD: How to legally reduce your tax burden before year’s end – Diana Clement
For most wage and salary earners, tax deductions will be correct and the Inland Revenue Department’s (IRD) annual automatic tax assessments will ensure that any refunds find their way into taxpayers’ bank accounts automatically. It’s worth checking that you’re on the right tax code. If you selected the wrong tax code when starting a job, […]
How to manage your retirement savings in your golden years – Diana Clement
The 6% rule allows retirees to withdraw 6% of their total retirement savings annually. The money isn’t going to last as long, but research shows that people tend to spend less as they age, said Alison O’Connell, a member of the New Zealand Society of Actuaries who has a background in the pensions industry. The […]
How to rediscover joy at work in 2025
Our increasing levels of work disillusionment are correlated to a growing consciousness that we have more choices. What is harder to explain is what stops us from finding more fulfilling work. We found that the crux of being trapped in what we’ve dubbed a “Groundhog Career”, was a growing gap between the diversity of opportunities […]