Investing for (rather than in) retirement requires the following core components:
1. A target amount - we find 99.9% of everyone we speak to needs our help in working this out.
2. An approximate retirement date - your first answer will probably be "in the next 10 years" followed by "before I'm 65" followed by "I may never retire but..." We find most people identify with "I want to be able to choose when I retire rather than be forced to keep working"
3. Somewhere to start a regulart contribution in addition to KiwiSaver - lets face it, KiwiSaver is brilliant, and it won't be enough.
4. A well diversified and well constructed invesment portfolio that you can touch and feel 24x7
Investment research suggests that 90% of investment returns are derived from the asset allocation, so naturally, this is where the majority of our focus is directed for constructing your portfolio