RBNZ publishes the Official Cash Rate seven times a year. Lenders reprice within hours. Most Kiwi households are left guessing. We publish what it actually means for your repayments inside two hours of every decision, plus a steady drip of mortgage, KiwiSaver and insurance pieces in between.
Three scenarios pre-modelled: a 25bp cut, a hold, a 25bp hike. If you have a refix landing in the next 6 months, here's the call we'd make for each. Published live within 2 hours of the decision under Craig's byline.
Bookmark this page for 27 May →Most NZ adviser firms don't publish to a calendar. We do, because RBNZ does, and our clients pay attention.
It's not the size of your KiwiSaver. It's the timing of when you tell the bank about it. Three real client examples and the fix.
A real claim, real numbers, real timeline. What private health cover actually does when public waitlists run to 18 months.
RBNZ held. Two-year fixed rates barely moved. The interesting move is in 1-year fixes, where the gap to 2-year has closed to 18bp.
2.7 million Kiwis in KiwiSaver. About a third are in a default conservative fund they were auto-enrolled into. For most of them, that costs about $180k by retirement.
Banks are offering $4,000 to $7,000 of cashback to switch. When is it worth the break cost? Here's the simple formula we use.
If you're employed and earning, you have ACC. You might think that covers you. It covers about 30% of the things that stop people working long-term.
RBNZ moved. Variable rates dropped within 48 hours. Fixed rates moved less than expected because the cut was priced in. Here's the refix decision.
Self-employed contractors, deposit half KiwiSaver half savings, three nos before they got to us. What we changed in the application.
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