http://www.pensiontransfers.co.nz/blog/ The latest Blog feeds from www.pensiontransfers.co.nz en-us Tue, 07 Apr 2026 15:15:16 +1200 Rocketspark http://www.pensiontransfers.co.nz/blog/post/162574/why-retirement-planning-can-look-different-after-moving-countries/ Retirement planning is rarely a simple process. But for people who have lived or worked in more than one country, it can become even more complex.If you’ve moved internationally, whether recently or many years ago, the assumptions you might have made about retirement earlier in life may no longer apply in quite the same way.Different pension systems, tax rules, currencies, and lifestyle expectations can all influence how retirement planning works once you’ve crossed borders.How moving countr... Thu, 26 Mar 2026 17:08:13 +1300 http://www.pensiontransfers.co.nz/blog/#post162574 http://www.pensiontransfers.co.nz/blog/post/160750/what-does-a-transfer-value-mean-on-a-pension/ If you’ve requested information about your UK pension, you may have received a statement showing a transfer value — sometimes called a Cash Equivalent Transfer Value (CETV).For many people, this is the first time they realise their pension can be expressed as a lump sum. The figure can look surprisingly large, and it often raises an important question: is this what my pension is worth? Not exactly.What a pension transfer value representsA transfer value is not a payout, and it is not a ... Fri, 20 Feb 2026 18:16:42 +1300 http://www.pensiontransfers.co.nz/blog/#post160750 http://www.pensiontransfers.co.nz/blog/post/159262/sequencing-risk-why-the-order-matters-in-retirement/ You’ve probably thought about various risks that might affect your retirement income.You might have thought about currency movements, or interest rate fluctuations.But have you considered sequencing risk?Here’s what you need to know, and how you can mitigate the impacts.What is sequencing risk?Sequencing risk refers to the potential for the timing of withdrawals in retirement to negatively affect your outcome.Sequencing is not about the average return that your investment makes but about whe... Thu, 22 Jan 2026 16:38:04 +1300 http://www.pensiontransfers.co.nz/blog/#post159262 http://www.pensiontransfers.co.nz/blog/post/158254/a-summer-to-look-forward-to-making-new-zealand-your-home/ Summer is here in the Southern Hemisphere, bringing with it long, (hopefully) warm evenings under the stars, sand between your toes on Christmas morning, and fish and chips on the beach after work.While people back home in the UK are settling in for winter, on this side of the world, December and January look, feel – and even smell – quite different.Whether you’re a recent migrant, or you’ve been here a while, a Kiwi summer may have been part of the reason you wanted to move.You may alre... Thu, 18 Dec 2025 16:53:31 +1300 http://www.pensiontransfers.co.nz/blog/#post158254 http://www.pensiontransfers.co.nz/blog/post/157985/new-rules-new-opportunities-for-uk-pension-holders/ A rule change that took effect this year means that people who transferred their UK pensions to KiwiSaver funds in New Zealand more than a decade ago might find they now have more options.Here is what you need to know.Locked-in fundsThe UK Government changed its pension transfer rules in 2015, which meant that people who wanted to move their money to New Zealand could no longer put it in a KiwiSaver fund.This was because it was concerned about the KiwiSaver provisions that allow for early releas... Thu, 11 Dec 2025 17:48:39 +1300 http://www.pensiontransfers.co.nz/blog/#post157985 http://www.pensiontransfers.co.nz/blog/post/155293/the-importance-of-flexibility-in-retirement-income-planning/ When you think about retirement, you might picture a point in time, like a day when work ends and the next chapter begins. But in reality, retirement isn’t a single event; it’s a journey that can last decades. And like any long journey, it helps to have flexibility along the way.Why flexibility mattersLife rarely unfolds exactly as planned. Market conditions shift, inflation rises and falls, tax rules evolve, and personal circumstances change.Spending patterns can also vary. You might spend ... Thu, 30 Oct 2025 17:02:34 +1300 http://www.pensiontransfers.co.nz/blog/#post155293 http://www.pensiontransfers.co.nz/blog/post/151962/the-4-rule-what-it-is-where-it-came-from-and-what-it-means-for-you/ “How much do I need for retirement?”It’s a question most of us ask at some point, and one without a simple answer. None of us can know exactly how long retirement will last, or what life will look like decades from now. That’s why rules of thumb have become popular, and a well-known one is the “4% rule”.The history of the 4% ruleThe 4% rule was first outlined in the 1990s by US financial adviser Bill Bengen. He wanted to understand how much his clients could withdraw from their portf... Thu, 11 Sep 2025 13:25:35 +1200 http://www.pensiontransfers.co.nz/blog/#post151962 http://www.pensiontransfers.co.nz/blog/post/150926/the-next-chapter-for-kiwisaver-and-what-it-could-mean-for-you/ ... Thu, 21 Aug 2025 17:03:57 +1200 http://www.pensiontransfers.co.nz/blog/#post150926 http://www.pensiontransfers.co.nz/blog/post/149293/how-to-make-your-money-last-in-retirement/ You’ve accumulated investments throughout your working life, but do you know how to go about spending them when you’re retired?For many retirees, the question of how to make their money last can be a daunting one.There can be a lot of variables: Not just market movements that can affect your investment balance and income, but uncertainty over how long you need to plan for.Here are a few rules that could help your thinking, if you’re in this position.The 4% ruleOne of the well-known rules f... Tue, 22 Jul 2025 16:28:57 +1200 http://www.pensiontransfers.co.nz/blog/#post149293 http://www.pensiontransfers.co.nz/blog/post/148107/the-hidden-risks-of-leaving-your-uk-pension-where-it-is/ Sometimes, when you’re facing a financial decision, it can feel as though the easiest thing is to do nothing.Maybe life gets in the way and you don’t have the time to put into deciding on a course of action, or you’re concerned about making the wrong choice.But there can be risks in not taking action on your UK pension.Here are a few things to think about.Currency risk: Anyone who has investments or financial dealings with another country will know how much difference the exchange rate can... Mon, 07 Jul 2025 16:52:39 +1200 http://www.pensiontransfers.co.nz/blog/#post148107