Investment advice for the life you want to build

Whether you are starting with KiwiSaver, investing a lump sum, managing established savings or preparing for retirement, our advisers can help you make informed investment decisions.

We begin with your goals, circumstances and timeframe, then help you understand the options and decide on an appropriate way forward.

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INVESTMENT ADVICE

Advice for investing with purpose

Shares, managed funds, ETFs, index funds, bonds and term deposits can all play different roles in an investment portfolio. Understanding how they work together, the risks involved and whether they suit your goals can be difficult without specialist advice.

Our advisers begin by understanding what you are investing for, your timeframe, your existing investments and how comfortable you are with changes in value. They can then explain the available options and recommend an investment approach suited to your circumstances.

Investment advice may include

Managed funds

Shares and direct equities

ETFs and index funds

Bonds and fixed interest

Term deposits and cash

KiwiSaver
Superannuation schemes
Portfolio reviews

OUR SERVICES

What would you like help with?

Bespoke investment portfolios

Build an investment portfolio around your goals, timeframe, income needs and attitude to risk.

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KiwiSaver scheme advice

Understand your current KiwiSaver arrangements and consider the fund, provider and investment approach that may suit your needs.

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Superannuation schemes

Get help understanding personal or employer-sponsored superannuation schemes and how they fit alongside your wider retirement savings.

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Not sure which type of advice you need?

Tell us what you are working towards and an HTL Wealth adviser can help you identify an appropriate place to start.

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Bespoke investment portfolios

People invest for different reasons. You may be building long-term wealth, creating a future source of income, preserving capital or setting money aside for a particular goal.

Our advisers can help develop an investment portfolio based on your:

Goals and priorities
Investment timeframe
Income and access requirements
Attitude to risk
Existing investments
Tax and ownership considerations

Depending on your circumstances, a portfolio may include managed investment funds, shares and direct equities, ETFs, index funds, fixed-interest investments, bonds, term deposits and cash.

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Different investments for different goals

You may have several goals with different timeframes. For example, you might invest separately for long-term retirement income, a shorter-term goal or money you hope to leave to future generations.

Your adviser can help you consider whether these needs should be held and managed separately rather than treating everything as one investment goal.

Advice for individuals, families and organisations

HTL Wealth works with individuals and families, including business owners and farming families.

We can also provide investment advice for trusts and estates where there may be multiple beneficiaries, different timeframes or more complex ownership requirements.

Establishing and managing your portfolio

Your adviser will begin by understanding what you want to achieve and reviewing relevant aspects of your current financial position and existing investments.

The advice process may include:

Discussing your goals, timeframe and income needs
Completing an investment risk assessment
Considering appropriate investment types and diversification
Preparing and explaining a written recommendation
Helping establish the agreed investments
Arranging contributions, withdrawals or income instructions
Providing ongoing reviews where that service has been agreed

Your adviser will explain the scope of advice and service that applies to you.

Ongoing advice and review

Your investment needs may change as your circumstances, goals or timeframe change. Where ongoing advice is agreed, your adviser can review your portfolio with you and discuss whether any adjustments should be considered.

Depending on the investment arrangements used, you may also be able to view your holdings and reporting online.

INVESTMENT ADMINISTRATION

What is a wrap platform?

A wrap platform brings different investments together within one administration and reporting service. It can make it easier to view holdings, transactions and portfolio reporting in one place.

Depending on the platform and arrangements used, it may also support separate portfolios for different goals, regular contributions or withdrawals and the management of investment income.

A wrap platform will not be appropriate for everyone. Your adviser can explain how it works, the investments it can hold, the fees involved and whether it may suit your circumstances.

KIWISAVER SCHEME ADVICE

Make informed choices about your KiwiSaver savings

Your KiwiSaver Scheme can play an important role in buying a first home and preparing for retirement. However, choosing an arrangement involves more than comparing recent returns.

An adviser can help you understand:

Your current provider and fund

Your investment timeframe

Your attitude to investment risk

Different fund types and investment approaches

Fees and other important terms

Contribution choices
First-home withdrawal considerations
How KiwiSaver fits alongside your other savings and investments

HTL Wealth works with a range of KiwiSaver providers. Where a change is appropriate, your adviser can recommend a provider and fund from the options available to them and explain why it may suit your circumstances.

Your goals and situation may change over time, so it is also important to review your KiwiSaver arrangements periodically rather than treating the original choice as permanent.

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Try our KiwiSaver Discovery Tool

SUPERANNUATION SCHEME ADVICE

Understand how your superannuation scheme fits into your plans

Personal and employer-sponsored superannuation schemes can have different rules, investment options, fees and access conditions.

If you hold an existing scheme, an adviser can help you understand how it works and how it fits alongside your KiwiSaver and other retirement savings.

We can help you consider:

The features and conditions of your existing scheme

KiwiSaver compared with a personal or workplace superannuation scheme

Investment options available within the scheme

Fees and other important terms

Whether consolidating retirement savings should be considered
How the scheme fits with your broader retirement and investment plans

Consolidation is not automatically the right answer. Existing schemes may contain features or benefits that could be lost if money is transferred. Your adviser can help you understand the relevant advantages, disadvantages and implications before you decide.

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OUR TEAM

Meet the HTL Wealth team

Our financial advisers work with individuals, families, businesses, farming clients, trusts and estates.

Whether you are choosing a KiwiSaver fund, making an investment, managing an established portfolio or preparing for retirement, you can talk directly with an adviser who will take the time to understand what you need.