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Every cloud has a silver lining

With the number of new Covid-19 cases in the low single digits, there is a sense of optimism in the air. Our feet seemed lighter, the days seemed brighter, and the future seemed more manageable. Whether your finances have taken a hit due to recent events or whether you are in a recession proof business, now is the time to take control of your financial health. Here are some opportunities you can look into....

May 13, 2020

Covid-19: An opportunity for first-home buyers?

To buy or not to buy? That’s the big question for first-home buyers in this environment. The property market, as with everything else, has been affected by the global Covid-19 pandemic and New Zealand’s lock-down period. But these uncertain times may provide an opportunity to enter the property market. Read on to find out why....

May 12, 2020

No emergency fund? It's not too late

Hindsight is great, isn’t it? If we knew a year ago what 2020 was going to look like, we would have all saved up and built a nice emergency fund to navigate these unprecedent times. Although it’s hard to predict what will happen in the coming months, general consensus is that we are looking at an economic recession that will affect all New Zealanders. When recession hits and the unemployment rate goes up, it’s important to have an emergency fund we can rely on. You’re not alone If you do...

May 11, 2020

Should I increase my KiwiSaver contributions?

“Be fearful when others are greedy and greedy when others are fearful” - Warren Buffett The Covid-19 pandemic caused the share market to plummet. And although things are looking more positive now, the market is still, essentially, at a discount. Astute investors are wondering if they should be increasing their contributions to KiwiSaver or investment....

May 7, 2020

To buy or not to buy? An update for first-home buyers

If you were thinking about purchasing your first home before New Zealand went into lock-down, you are probably wondering if now is a good time to enter the market. As always, there are a number of factors you need to consider. Have a look at this video to find out where you stand and what you need to be thinking about....

April 30, 2020

Do you have insurance? Understand your options

If you have insurance and you are foreseeing financial hardship ahead, it's good to understand what options are available to you. The good news is that all insurance providers have come to the party and are offering premium suspensions to their clients financially affected by Covid-19. But be aware that suspensions come at a cost. It's important to understand your financial position and what's being offered by the provider you are with. If you have questions, please get in touch....

April 23, 2020

Your KiwiSaver balance is not cash in the bank

A lot of our clients have access to their KiwiSaver investment with their internet banking - they can see the cash value every time they login to their account. But it's important to understand that KiwiSaver is very different to having cash in the bank, it's a long-term investment. For a lot of KiwiSaver members, the current market downturn caused by the Covid-19 pandemic will be their first. The market has experienced 11 very good years. Though it's understandable to feel worried, Gavin Greave...

April 15, 2020

It's ok to look away

A few curious professors decided to run an experiment. The fact that two of them later became Nobel Prize winners… well, that probably has a bit to do with the outcome.  The experiment was simple. They told volunteer students that they were the portfolio manager of the Berkeley Endowment and they had two investment options. The first was riskier but had higher returns. The other was a safer investment option with lower returns. The students could initially select and then modify thei...

April 14, 2020

Update for KiwiSaver investors

If you are a KiwiSaver investor it's only natural that you are a little nervous about how the markets are behaving at the moment. We know a lot of our clients are contacting us with questions about what they should be doing. We've put together this quick video to go over some key points: Understand your investment time frame and what the money is forUnderstand your risk profileGet expert advice before making any changesGot any questions? We're here to help....

April 9, 2020

Update for mortgage holders

The Government has announced that mortgage holders are able to take a mortgage payments deferment for up to six months. This is great news if you are struggling financially. But there are other options available too.If you are a mortgage holder and you are thinking about what decisions you need to make, have a look at this quick video....

April 2, 2020

Income Protection, Redundancy cover and Covid-19

A lot of our clients have questions or concerns regarding existing Income Protection insurance policies and Redundancy cover. We've put together a short article on FAQ which we think you might find helpful.What is Income Protection? Income protection insurance provides a monthly income if you are unable to work due to sickness or injury. It safeguards your biggest asset – your ability to earn. Can I claim on my Income Protection if I’m unable to go to work due to COVID-19 lockdown? The shor...

March 30, 2020

Dealing with the investment roller coaster

With New Zealand and the world facing an unprecedented pandemic, and global markets in uncertainty, clients are asking if they should make any changes to their investment plans. Generally, when speaking to clients about how much risk they are prepared to take on and fund choice, when times are great – they will happily look at a fund with a return of 10% +. Inevitably that same fund is likely to have a loss in the future as high growth funds mostly invest in shares. Share prices go up and down...

March 27, 2020

A message to Apex clients

Gavin Greaves, one of the Apex Directors, assures you that we are here for you. Learn some tips to get your financial plans in order at this challenging time. Tips to plan ahead: Look at your spending - especially your non-essential spendingHave a look at your emergency fundReduce short-term debt, like credit card debtYour mortgage might be able to help you get throughPut your hand up - we're here to help you If you need assistance or you have questions, please contact your adviser directly or o...

March 26, 2020

We're here for you

The Government has confirmed that financial services are essential services and will continue to operate when New Zealand moves to Level 4 in its COVID-19 response. We have the right technology in place to make sure we are available for you, whatever your needs might be. All Apex staff are now working from home and we will continue to communicate with you via normal channels such as email, phone or via video conference as required. If you have questions about your policies or want to get advice ...

March 25, 2020

Apex Advice Covid-19 Update

With the Covid-19 pandemic, we are facing an unprecedented situation which is affecting our families, our businesses, our communities, and our way of life.At Apex, our priority is the wellbeing of our clients, staff and the community. We have taken additional health and safety measures around the office, meeting the requirements from the Ministry of Health.  We are encouraging clients to opt for online or phone meetings with our advisers as much as possible, to minimise risk.  We ha...

March 20, 2020

Business insurance protects your company

Have you ever given thought to how your business would continue to function if you are unable to be there long term because of an injury or illness? How would business expenses get paid?What happens to your employees?These are important questions that business owners need to solve to protect the enterprise they worked very hard over the years to make successful....

March 2, 2020

Getting a mortgage – how much can I borrow?

If you are looking at buying a home, you’re probably wondering how much you can afford to borrow. A good place to start is the “rule of thumb” of using your household income to point you in the right direction....

February 27, 2020

$38,000,000

The New Zealand life insurance industry pays out around $4 million a day or $1.47 billion per year in claims supporting Kiwis when they most need it. In 2019, our clients received over $38,000,000 in insurance claims payments at their time of need. We can proudly say that 96.2% of our clients’ claims were paid out - above the industry average....

February 17, 2020

7 tips to be your best financial self in 2020

Most of us will start the new year by setting up resolutions or intentions for the year ahead. Although our aspirations might not be directly money related, financial stability and success helps us achieve our dreams – and live without stress. If becoming your best financial self is on your radar, here are some simple tips to get you on the right track. It’s always best to start with little steps by making better daily choices which will snowball over time. 1.     &n...

February 10, 2020

Start-Up Business Income Protection

It’s hard work getting a new business off the ground, but the rewards of self-employment are well worth the effort. One way to ensure the long-term success of your business is to protect it in case you become sick or injured. Start-up business income protection is designed specifically for newly-opened businesses and businesses less than three years old to help their owners plan for the unexpected.You’ve put a lot of time, money and other resources into starting and building your new busines...

February 7, 2020

Which income protection insurance is right for me?

This is a question that we get asked a lot, for good reason. It can be confusing to work out which policy is best for you and even more confusing to read through all the fine print that income protection insurance policies often consist of. Most income insurance policies in New Zealand fall into two categories - Indemnity or Agreed value. Agreed Value: Based on your income when you applyIndemnity Value: Based on your income at claim time Our advisers can help you work out which i...

January 30, 2020

Is your credit card recovering from the holiday period?

How much of that money you overspent over the holiday period went to your credit card?  Data from research and comparison site Finder showed New Zealanders are now using their cards to process $4 billion of purchases a month. Reserve Bank data shows that New Zealanders were carrying $7.37b in credit card debt in December 2019, and we can only imagine that spending went up in the December/January holiday period. This is not a pretty picture.  Using your credit card and not paying your b...

January 14, 2020

Apex office holiday hours

Our office will be closed this holiday season from December 21st to January 13th 2020. If your request is urgent, please call your insurance, mortgage or investment provider directly: AIA, AMP, Asteron, Consilium, Fidelity, Partners Life, Sovereign, Select Wealth Management, Synergy You can contact your adviser – visit Our People page for more information.You can also call the office on 0800 809 009 and leave a message, or email us on advi...

December 16, 2019

Credit score: what’s your magic number?

Have you ever checked your credit score? If you have at any stage applied for a personal loan, a mortgage or a hire purchase, rest assured someone has looked at your ‘magic’ number. Even utility companies, landlords and employers might look at your credit score before engaging with you. This score might affect more areas than you think. This is how the credit score works. Bank, insurers and businesses like Vodafone or Spark feed information to big credit reporting bureaus. The bureaus calcul...

November 22, 2019

Apex's top 10 money tips for the silly season

The end of the year often brings about a mixed bag of emotions. According to the Commission for Financial Capability (CFFC), a government-funded organisation helping New Zealanders get ahead financially, one in four Kiwis felt pressure from their family or community to spend more on Christmas than they would like to. Being in the financial services sector, we firmly believe that a great Christmas doesn’t mean breaking the bank, so we reached out to our fellow colleagues for some Christmas mone...

November 12, 2019 Posts 1-25 of 254 | Page next
 

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