KiwiSaver in 2026: What Changed and What It Means for You
Default contribution rates, government top-ups and high-income eligibility — the 2026 changes explained.
Read more →Resources
Guides for confident decisions.
Plain-English articles on insurance, mortgages, KiwiSaver and business risk. New posts added regularly.
How Much Life Insurance Do I Really Need?
A simple framework that goes beyond '10× salary'.
Read more →Income Protection vs ACC: What's the Difference?
Where ACC ends and private cover begins for Kiwi earners.
Read more →First Home Buyers: Using KiwiSaver and Understanding Deposits
First-home withdrawal rules and how they interact with your mortgage pre-approval.
Read more →Business Insurance Checklist for New Zealand SMEs
The covers most SMEs overlook — and the ones banks actually require.
Read more →Mortgage Refinancing: When It Makes Sense
The break costs, benefits and traps of refinancing in the current NZ market.
Read more →Key Person Insurance: A Simple Guide for Directors
How to value a key person and structure cover the bank will accept.
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