Spire Advice

Today is Daffodil Day 💛 1 in 3 New Zealanders will face cancer in their lifetime (Cancer Society NZ). As advisers, we see every day how much the right support matters when life takes a turn — which is exactly why this cause sits close to us. Wear a daffodil, donate if you can, and look out for each other.

Your insurance should evolve with your life — here are 5 signs it's fallen behind ⚠️ 🏠 New mortgage 👶 New baby 💰 Income jump 💍 Marriage or separation 💼 New business. Any of these in the last couple of years and no review? There's a fair chance your cover no longer fits.

Money term of the week: compounding 💡 It's your returns earning returns of their own — a snowball that, over decades, does more than your contributions ever will. It's the whole reason "start early" is the best money advice there is. Time in the market beats timing it ⏳

Your KiwiSaver statement just landed 👀 Don't just glance at the balance. Four numbers are worth two minutes: contributions, fees, your projected balance at 65, and the fund you're in. If that projection gave you a fright — that's a useful signal, not a reason to panic.

Money term of the week: income protection 💡 In plain English — it replaces part of your income (often up to ~75%) if illness or injury stops you working, so life keeps running while you recover. Your income is the engine behind everything else, which is why this one matters more than people think.

An emergency fund is the difference between a bad month and a bad year 🛟 Aim for ~3 months of essentials, start small ($20/week counts), keep it in a separate account, and automate it on payday. Boring? Yes. Life-changing when you need it? Also yes. 💛