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

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.