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KiwiSaver can be easy to leave on autopilot, especially if you were placed into a default fund when you first joined.

A default fund isn’t necessarily a bad place to be. But the important question is whether the fund you’re in still suits your goals, timeframe and attitude to risk.

For someone with decades until retirement, a different fund type may be more appropriate. For someone planning to use their KiwiSaver account for a first home soon, the considerations can be quite different.

This article explains how default funds work, why your fund choice can matter over time, and what to consider when reviewing where you’re invested.

If you’re unsure whether your KiwiSaver settings are right for where you’re heading, a SHARE adviser can help you work through your options.

Stuck in a default KiwiSaver fund? It may be costing you. Been in a default KiwiSaver fund for a few years? You probably have not lost much money, but you may have missed some growth. Here’s how to switch if you need to.

Insurance isn’t always something to set and forget.

As life changes, so can the level and type of cover that may be appropriate. Buying a home, having children, changing jobs, becoming self-employed or approaching retirement can all be good reasons to review what’s in place.

And a review doesn’t necessarily mean taking on more insurance. Sometimes it’s simply about checking that your existing cover still reflects your circumstances, needs and budget.

Our article looks at why regular insurance reviews can be worthwhile and when it may be a good time to check in: https://tinyurl.com/bh4fpfbk

Receiving a lump sum can open up plenty of possibilities, but it can also raise questions about what to do next.

If some or all of the money is being considered for investment, one common decision is whether to invest the full amount at once or spread it out over time.

There is no single approach that suits everyone. Your goals, timeframe, need for accessible cash and comfort with investment risk can all play a part.

Our article looks at some of the key considerations, including lump sum investing, progressive investing and why trying to pick the “perfect” time can be difficult: https://tinyurl.com/33hhfjvc

Helping an adult child buy their first home can be a big decision for the whole family.

There are several ways parents may be able to help, including gifting part of the deposit, providing a family loan, acting as a guarantor, or becoming a co-borrower. Each option comes with different considerations for everyone involved.

Our article looks at some of the common approaches, what lenders may want to know, and why getting independent advice can be important before deciding what works for your family: https://tinyurl.com/mr2hsh9s

Insurance can play an important role in protecting your financial wellbeing, but different types of cover are designed for different risks.

From protecting your income if you’re unable to work, to helping with medical costs or providing financial support for your family, understanding what each type of insurance is designed to do can make it easier to think about what may be relevant for you.

This guide from Sorted provides a helpful overview of some of the main types of insurance and how they work.

If you’re unsure whether your current cover still suits your circumstances, a SHARE insurance adviser can help you review your options.

Different types of insurance and what they protect Life has risks - there is insurance available to reduce the financial impact if the risk occurs. Learn about the different types of insurance in New Zealand.

A mortgage adviser can help with much more than getting a home loan application across the line.

From understanding borrowing options and preparing an application, through to refixing, refinancing or reviewing lending later on, having someone who knows your situation can be useful well beyond settlement.

A SHARE mortgage adviser can help you understand the options available, work through the detail and provide advice as your circumstances change.

Read more: https://tinyurl.com/2f8ksx3f

Property investment can be a big financial commitment, so it pays to look beyond the purchase price.

The local market, rental demand, your borrowing position, ongoing costs and what you actually want the investment to achieve can all shape whether a property is the right fit.

If property investment is on your radar, this article covers some of the key things to think about before taking the next step: https://tinyurl.com/55564z75

Life is a journey and having an adviser by your side can help protect the road ahead.

Our SHARE advisers focus on your needs, sharing their knowledge and advice to help you achieve your financial goals.

Learn more about us here and if you'd like to chat, get in touch with a SHARE adviser near you: www.sharenz.com/advisers

What is a property actually worth, and why does it matter when you’re applying for a home loan?

The asking price, council valuation and registered valuation can all tell you different things. For lenders, the property’s value can also affect how much you’re able to borrow and the options available to you.

Our article explains when a valuation may be required, how lenders use property values, and what can happen if a valuation comes in lower than expected: https://tinyurl.com/5pa8pedz

Life doesn’t always go to plan. The right insurance can help provide financial support when the unexpected happens.

From life, trauma and health cover to income protection, mortgage, business and rural insurance, a SHARE adviser can help you understand your options and consider cover that suits your circumstances.

Learn more: www.sharenz.com/insurance