When many people hear the word “investment”, they imagine it’s only for those with a few hundred thousand to spare. But the Wealth team at The HTL Group see something very different every day.
Investment advice isn’t just for the wealthy, it’s for anyone who wants their money to work harder, gain confidence in their financial future, and have the flexibility to enjoy life along the way.
Whether you’re just starting out, navigating a life change, or preparing for retirement, professional advice can help you make informed decisions that align with your goals.
Here’s some real stories of Taranaki Kiwis investing, all at different ages, stages and bank balances. We love that they have all been able to invest with confidence.
--> Young client wanting to grow her savings
One of our younger clients came to us after buying her first home and getting engaged. With KiwiSaver already ticking away, she wanted to explore other ways to grow her savings, but without locking them up until retirement.
Together, we discussed the benefits of managed funds as a flexible, long-term solution. With just a modest initial investment and regular contributions, she was able to start building wealth in a way that fits her life stage and budget.
With just $1,000, this client was able to open an account with Milford, a trusted New Zealand fund manager. From there, she set up regular contributions that fit her budget and lifestyle.
“I loved that we could start small,” she says. “It made investing feel realistic for where we’re at right now and it’s exciting to know that we’re building something for the future.”
It’s a great example of how investing doesn’t have to be complex or reserved for high-net-worth individuals, it simply requires a plan that grows with you.
--> Middle-aged Mum of two facing a major life change
Another client reached out following a major life change. After a separation, she had a lump sum and wanted to make sure her money could support both her and her children.
Her adviser, Allie, helped her structure her funds into different portfolios: one to generate income for herself, and another to set aside money for her daughters’ future needs. This included:
A main investment portfolio split between balanced and managed funds for growth and stability.
$10,000 invested for each of her daughters, ready for their future needs.
“I had some money in term deposits, but rates were dropping. I knew I needed advice on how to make it work harder,” our client says. “I also needed some certainty and a plan during what was a very uncertain time for me”.
By moving beyond term deposits and creating a diversified plan, she gained both financial security and peace of mind.
Examples like this show how thoughtful advice can bring clarity and confidence when life takes unexpected turns.
--> Retired couple wanting their money to last
A retired couple we work with described themselves as “nervous investors” when they first came to HTL. They wanted to make their savings last through retirement but weren’t sure how to begin or who to trust.
Their adviser, Allie, consolidated various accounts into a simple, easy-to-manage portfolio that provides regular income on top of their pension.
“We didn’t want anything risky,” they shared. “We just wanted to know our money would last and support our lifestyle.”
Since setting up their plan in 2019, they’ve enjoyed the stability of monthly payments, the freedom to withdraw funds for holidays or big purchases, and the reassurance that their money is working for them, not the other way around.
As you read this, they’re most likely travelling around in their campervan, enjoying their well-deserved retirement without the stress of financial uncertainty.
Can you relate to any of these situations?
We believe investment advice should be accessible, personal, and empowering. You don’t need to have half a million dollars to start, just the willingness to plan ahead and have a trusted adviser by your side.
No matter your stage of life, there’s an investment strategy that can help you achieve your goals with confidence.
Talk to one of our HTL Wealth Advisers today for a free investment chat:
Fill out the Contact Form on our website: www.thehtlgroup.co.nz/contact
OR email our wealth team directly: wealth@thehtlgroup.co.nz
