Do you worry about what will happen if you are suddenly removed from the picture?  Remember my blog about making a will?  If you haven't read it them please read it prior to going through this one, here is the link.   https://granniesarahssolutions.blogspot.com/2023/04/do-you-have-will-do-we-need-one-what-if.html   We often think about lots of things to protect ourselves, should something awful happen.  Remember all of these things are easier for your whanau to get if you have a will!  This whole blog is dependent on the fact you have a will, so please get one. Enough about that, let's compare a few options: ACC If you die at work, or on the sports ground or from some form of accident.  ACC will pay.  ACC will pay up to 80% of your wages for up to 5 years to your family. You are automatically paying ACC levies so there is no need for opting in or out. ACC premiums change according to the type of work you do and the danger involved. If you sto...

  Is Kiwisaver "worth it"?  One of the most common questions I get asked.   The simple answer is absolutely!! My Kiwisaver figures are above, the one on the left is the amount I have contributed, the top line is what I have personally put into it.  The numbers on the right are what my Kiwisaver balance is today. I have been in Kiwisaver since day one so a long time now, but the deductions from my salary over the years has been $42,603, my Kiwisaver net balance is $114,368. Basically, the return is ridiculously high, I challenge anyone to get a this type of return on investment anywhere.  When people say, "I have lost $5,000 on my Kiwisaver, it is ripping me off"  I challenge them to look at these two screenshots for themselves. The one on the left is from the Inland Revenue Department and anyone can get it in about five minutes by logging in, or longer if you have to call them, unfortunately the wait time can be horrendous.  I feel for the people ...