The HTL Group - Blog #Wealth Management New PlymouthThe HTL Group - Blog #Wealth Management New Plymouthhttps://www.thehtlgroup.co.nz/blogs/tag/wealth-management-new-plymouthThu, 09 Apr 2026 12:44:23 +1000http://zoho.com/sites/<![CDATA[Investment Advice isn't just for "rich people".]]>https://www.thehtlgroup.co.nz/blogs/post/investment-advice-isn-t-just-for-rich-people-.Investment advice isn’t just for the wealthy. Read how everyday Kiwis are building financial confidence with HTL’s Wealth Advisers.]]>
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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

Contact us to book a free Investment chat!
]]>Thu, 13 Nov 2025 15:45:52 +1300<![CDATA[Feeling uncertain about the markets? Why staying invested is still the smartest move]]>https://www.thehtlgroup.co.nz/blogs/post/feeling-uncertain-about-the-markets-why-staying-invested-is-still-the-smartest-moveFeeling uncertain about market volatility? Discover why staying invested and a diversified strategy can still deliver long-term success. Learn more with The HTL Group.]]>


Mid-year is a great time to take stock of your financial plan – especially in a year like this.

Markets have been unpredictable lately. Rising interest rates, inflation pressures, and global uncertainty are making many investors feel uneasy.
But here’s the truth: market volatility is normal – and reacting emotionally can often do more harm than good.

Why a long-term, diversified strategy still wins
Trying to "time the market" rarely works. In fact, some of the best gains often come after periods of uncertainty. The key is sticking to a strategy that’s designed for your goals, your risk comfort, and your timeline.

That’s where diversification comes in. A well-diversified portfolio spreads your risk across different asset types, so you’re not overly exposed to one downturn. Over time, this creates a much smoother ride toward your long-term objectives.

Avoiding the market’s downs may mean missing out on the ups as well. Consider this:

  • 78% of the stock market’s best days have occurred during a bear market or the first two months of a bull market.

  • If you missed the 10 best days in the market over the past 30 years, your returns would have been cut in half.

  • Missing the 30 best days would have reduced your returns by an astonishing 83%.


The Graphs below illustrate how critical it is to stay invested through market cycles.


Good days happen in bad markets

S&P 500 Index Best Days: 1995–2024


Good Days Happen in Bad Markets Pie Chart


Missing the market’s best days has been costly

S&P 500 Index Average Annual Total Returns: 1995–2024

Missing the Market's Best Days Bar Graph

How a financial adviser helps you stay on track
A good adviser does more than pick investments. They help you:
  • Make sense of market movements without panic
  • Keep your plan aligned to life changes (new job, family, goals)
  • Adjust your investment mix if your circumstances or risk profile shift
  • Identify new opportunities- even during volatility

At The HTL Group, we work alongside you to make sure your plan is still working for you, not against you.

And don’t forget – The KiwiSaver $521 top-up
While reviewing your investments, it’s also a perfect time to check in on your KiwiSaver.
If you’ve contributed at least $1,043 between 1 July and 30 June, the Government will top it up with an extra $521.43.
It’s a simple win- and every dollar adds up when it’s invested for the long term.

Ready for a mid-year check-in?
Whether you want to review your KiwiSaver, check your investments, or just make sure your plan still reflects where you’re headed - we’re here to help.

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