Kiwisaver, there has been a lot of talk about what we should do with our Kiwisaver at Apex we have a Kiwisaver expert in Stephen France & he is able to offer you advice on your Kiwisaver fund whether you are an Apex client or not & this overview from Stephen passes on some very sage advice so please do not hesitate to contact Stephen, is contact details are noted in his comment here:
“Warren Buffets famous quote “Be greedy when others are fearful and fearful when others are greedy” is certainly true. People are fearful of the “uncertainty” around Covid19 at the moment. This is producing volatility and “buying opportunities’ in the stock market. As it is the uncertainty of Covid19, the market is likely to bounce back relatively quickly once Covid19 is under control. This is not like 2008 where there was uncertainty around finance companies and the market in general was the question – the companies that you have shares in (through your KiwiSaver) are fundamentally the same value as before March 2020, however you can purchase them at a discount now.
If you are looking at retiring, or purchasing your first home soon, then you may need to make changes, however if the purpose of your KiwiSaver is still then same, then you probably should just ride out the volatility – it will bounce back.”
Stephen on 09 801 3485 or [email protected]
Mortgage holiday, as you are aware the major banks have put to-gether in conjunction with the Government, the Mortgage Holiday package is certainly a great assistance package for Mortgage holders however it is imperative that you know the full workings & the overall future cost within your mortgage & at Apex our Senior Mortgage advisor Jarrod Kirkland is on hand to offer his assistance whether Apex manage your mortgage or not & I trust this Mortgage Holiday viewpoint from Jarrod will assist & please do not hesitate to contact Jarrod his contact details are all included in his article, [email protected] & Mobile (021)710354.
Premium Assistance Plans, as with the Mortgage Holiday the mainstream Life Insurance companies have put in place Premium Assistance Plans that are available & are specifically tailored to the specific companies & if you wish to discuss these options further or a re-structure of your risk protection portfolio no matter which life insurance company or bank your cover maybe with please do not hesitate to contact me to discuss & all my contact details are in my newsletter.
If you have a lump sum investment & are “nervous” in its performance & risk we are there to help & we have a team of qualified, compliant, experienced AFA’s who can offer obligation free & no cost advice regarding your investment plan.
Whether it be your House, Contents, Car insurance or your commercial insurance portfolio you have questions or concerns about then please contact me no matter who your insurance is placed with at present & I will have your questions & queries & handled by one of our very experienced team within Apex insurance & they will be in contact with you & only too happy to assist & please have a read in my newsletter of the FREE Business Continuity Plan that they are making available for Business owners during & as we exit COVID-19.
At Apex we are there to assist wherever possible with your insurances, Kiwisaver, mortgages, Investments & any other financial services advice or assistance please do not hesitate to contact us for our free & obligation-free assistance during this challenging time for all of us in Aotearoa, we are there to assist & advice.