Apex Advice Group Limited

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 6 days ago

New blog articles detected

  • Golden rules to a smart mortgage

    Have a strategy Our home is often our most valuable asset, so it certainly makes sense to keep our home loan in check. Having a plan around repayment timeframes and amounts, loan terms, forecasted life events and property changes mean you're in a better position to make smart decisions. Smart decisions when it comes to your home loan can potentially save thousands of dollars and years off your mor...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 6 days ago

New blog articles detected

  • Don’t add more grief – Have a Will

    Kiwis are optimistic by nature, but life surely knows how to throw a curve ball. Although we don't like thinking about it, we could, put simply, die before our time. Not much we can do about that. We can, however, get things sorted financially. If you own a house, have life insurance, are a KiwiSaver member or have a savings account – it is best to decide who should get all the things you have ...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 2 weeks ago

New blog articles detected

  • KiwiSaver: Why we need to treat it as an investment fund rather than a savings account

    KiwiSaver – over 2.6 million of us have joined, and it's easy to assume we're on track to a comfortable retirement simply because we're signed up. We're putting away our hard-earned money and trusting someone to invest it wisely on our behalf so it's important we treat it as an investment fund rather than just a savings account. There are a few simple ways to ensure your KiwiSaver is getting th...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 3 weeks ago

New blog articles detected

  • Moments of truth

    As financial advisers, we know that claiming on your insurance is a moment of truth. This is the reason why we recommended you take out an insurance policy, to cover your loved one should the unexpected happen. And, unfortunately, it does happen. A lot of the work we do is assisting our clients throughout the claims process. We know that although you are going through a tough time, at least you'l...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • Help for first home buyers: Welcome Home Loan

    Getting on the housing ladder is tough. For many people, finding the 20% deposit for your first home is a huge challenge. To help assist first home buyers to overcome this hurdle, Housing New Zealand underwrite a product that allows people to purchase their first home with a 10% deposit....

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • Planning for Retirement: Making your money work (so you don't have to)

    With proposed changes to Superannuation policy, it's as timely as ever to assess your situation and check whether you're financially on track to a comfortable retirement. Whether you have dreams of cruising the Mediterranean or living the simple life, free of work (but with plenty of cups of tea), estimates show that NZ Super payments alone often aren't enough. Which means we need to ensure we hav...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • Apex team takes on Auckland Bike Challenge

    As part of our holistic approach to financial health, the Apex Advice team hit the streets as part of the AT Auckland Bike Challenge. It was all about getting involved and encouraging others to give it a go – lycra was optional and it didn't matter if you were already a keen cyclist or just keen to bike to the local café on Sunday. ...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 1 month ago

New blog articles detected

  • 1 in 6 parents forced to 'ask their children for cash to fund retirement'

    "One in six over-40s are concerned they will need to ask their children for financial support in retirement, a study has found. Some 16% of people in this age group with children worry they will need to ask their offspring to bail them out financially as they will not have saved enough for a comfortable retirement, insurance firm MetLife found". This is a very interesting read from www.mirror.co....

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected

  • Did Christmas cost more than you expected?

    If so, you are probably not alone. How much of that money you overspent over the holiday period went to your credit card? New Zealanders spent more than $36 billion on their credit cards in 2016. To make matters worse, Canstar estimates that about 63% of credit card spending ends up incurring interest, with an average interest rate of 19.24%. This is not a pretty picture. Not only do you end ...

  • Is self-diagnosis best?

    In this digital world, most of the things we want to buy are available online. Insurance policies are no different. In New Zealand, there are a number of websites that offer customers the opportunity to compare the different types of policies and their costs. One could almost think that financial advisers who specialise in insurance could be out of a job soon. Here at Apex, we believe it is very...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected

  • Improve your returns by not retiring

    The whole concept of retirement has changed a lot in the last 135 years. In 1881, Otto von Bismarck, the conservative president of Prussia, presented a radical idea to the Reichstag – that the government should provide financial support to older members of society. In other words, a government sponsored retirement. The idea was radical because, back then, people did not retire. Put simply, if yo...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected

  • Investment Insight: Should I pay off my home loan or my rental loan first?

    How you set up your mortgage payments for different properties can affect your lifestyle and your future – get the right advice to make the best financial decisions. Paying the mortgage on your investment property is not the same as paying for the mortgage on your primary residence. Generally speaking, your long-term objective should be to pay off all your mortgages - but how you do this could ...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 2 months ago

New blog articles detected

  • Economist: Pay rises won't be enough to cover interest rate rise

    Most of the major banks have been increasing their fixed term rates, blaming rising funding costs from borrowing money in the offshore market for the rate rises. Kiwibank has increased some of its fixed-term mortgages rates twice already this year and ASB also announced plans to increase its rates last week. While smaller banks SBS bank and the Co-operative Bank have also raised rates. Most econo...

  • What if you are suddenly told you no longer meet the criteria for elective surgery?

    We consider ourselves lucky in New Zealand because we have a robust health system that can cope with our medical emergencies. But what about elective surgery? We hear time and time again that elective surgery waiting lists keep getting longer by the minute. It was recently revealed that at Waikato Hospital a number of people were removed from the waiting list, in an article from the NZ Herald. "...

  • Diana Clement: 10 top tips for sorting your finances in 2017

    Welcome to 2017! We hope your New Year is off to a great start. To get our Blog going for the year, we want to share this article from Diana Clement, Your Money writer for the NZ Herald. She offers us 10 straight forward tip to sort out our finances. "Our caveman brains haven't evolved to handle our money. You won't get anywhere until you tame the six inches of grey stuff between your ears. It's ...

  • Happy holiday season from the team at Apex

    It's hard to believe that Christmas is already here. 2016 has been a very busy year for us here at Apex. Our office will be closed during the holiday season, from December 23 rd till January 9th 2017. If your request is urgent, please call your insurance provider directly. Otherwise, you can contact your adviser directly - visit Our People page for more information. Claire Bosch on 021 532 ...

  • How your mortgage can help you ease the squeeze

    New Zealand's combined credit card debt at the end of June this year was $6.49 billion - roughly $1500 for every man, woman and child. Coming into the holiday season, you can only expect this to go up. In 2015, Statistics New Zealand found retail spending using electronic cards reached $6 billion in December. Are you paying high interest on your credit card debt? Your mortgage can help! If you a...

  • Stuck with an old 'legacy' product?

    Times change – and it's just as true of insurance products. Insurance has a long history and over the decades, various investment and insurance products have been produced and marketed. While they might have been regarded as innovative and capable of filling client's needs back in the day – times do change. And these older plans, or "legacy" products can become ineffectual - and they could be cost...

  • Sovereign’s earthquake support

    Following the recent earthquake that struck Kaikoura and nearby regions in November 2016, our thoughts go out to all those impacted. Sovereign is offering affected clients the opportunity to apply for a waiver of premium relief package – from today until 15 February 2017. If you're a resident of the Marlborough, Tasman, Nelson, North Canterbury and Wellington regions and can prove that you're ex...

  • Looking for ethical KiwiSaver options?

    As reported by Matt Nippert from the NZ Herald, the Herald and RNZ revealed in August that KiwiSaver fund managers had invested $153m of client funds in stocks blacklisted by the government-run New Zealand Superannuation Fund. These investments included $43.4m of potentially illegal investments in companies making weapons banned by New Zealand legislation. Nippert also reports that within two mo...

  • Tri something new! Panasonic People's Triathlon

    As per the last few years, Apex is supporting the Panasonic People's Tri. The Panasonic Peoples Triathlon Series is Auckland's longest running triathlon series and the 2016/2017 season will stage four events between November and March. Two of these will be held from Maraetai Beach while the other two will be held from Mission Bay. As part of this series participants have the chance to race a varie...

  • When was the last time your bank called to help you with your mortgage?

    When was the last time your bank gave you a call to see if they could get you a better interest rate on your loan? How about calling you when a fixed rate is soon to expire? Never? We thought so. As mortgage specialists we work with our clients to ensure their home loans are competitive, and structured in a way that is going to help them achieve their financial goals. For us, your mortgage is n...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 6 months ago

New blog articles detected

  • Unlocking equity - the rise of the non-banks

    Non-bank lenders' popularity is on the rise, as the Reserve Bank pushes more restrictions on banks and the type of lending they can do. If a lender is not registered as a bank, they don't need to abide by the Loan to Value (LVR) restrictions – providing a different option for clients who are struggling to get their investment loan approved by the bank. Are you wanting to use the equity you have b...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 7 months ago

New blog articles detected

  • What do you worry about?

    BNZ surveyed 2000 New Zealanders to find out what their biggest money worries are. The answers depends on people's age. The survey did find that across all ages, 31% of people said that saving for retirement was their biggest money worry. In the age group of 50 to 64 year olds, the number of people concerned about their retirement savings went up to 49%. Read this article from the NZ Herald to lea...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 7 months ago

New blog articles detected

  • Free Moving Concierge Service

    There are many things to stress about in life, but moving shouldn't be one of them. Apex has partnered with the Moving Hub to help have a stress-free move. The good people at Moving Hub can arrange the connections on your behalf, and organise quotes for any additional services you may require. And they do this for FREE as the suppliers you choose give them a little bit of commission to thank the...

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 7 months ago

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 7 months ago

Apex Advice Group Limited

Category: Content
Type: Blog Article

Generated 8 months ago

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