OnTrack with Milford

Emotions play a big part in our decision making – especially when it comes to finances. It even has an official term – Behavioural Economics. Head of Wealth Management and Advice at Milford, Philip Morgan Rees talks to Toni, Jase and Sam on Coast, about some trips and tips on how to be objective when developing an investment strategy. This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

Is it a good idea to have an investment fund alongside your KiwiSaver? What’s the difference between the two?  Milford Senior KiwiSaver Financial Adviser Liam Robertson explains the pros and cons of both with  Bree and Clint from ZM.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

If you have KiwiSaver, a “side-car investment” could provide some added flexibility into your savings plan. Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks to PJ and Matty from The Hits about the similarities and differences between KiwiSaver and investment funds, outlines the pros and cons for both, and explains why they work well together side by side.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

Are you an AI optimist? Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on Coast, about the positive benefits of AI, and also touches on the things to watch out for.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

What’s the process if you want to withdraw funds from your KiwiSaver to help with a first-home deposit? Investor Services Senior Associate Maddie Cruickshank breaks down the steps with Bree and Clint from ZM.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

An increasing number of people are buying their first home – and using their KiwiSaver to help build their deposit. Maddie Cruickshank from Milford talks to PJ and Matty from The Hits about why there is an increase, and what the process is.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

What’s the difference between a managed fund and a DIY investing approach? Milford Financial Adviser Jess Travers talks through the variations with Bree and Clint from ZM, including the considerations when deciding the best option for you.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

What exactly is a Bull market and what should you be aware of in a Bear market? Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on Coast, about the official definitions, what market state we’re currently in, and what to watch out for. This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

What’s the difference between DIY investing vs Managed Funds? Financial Adviser at Milford, Jess Travers, talks to PJ and Matty from The Hits about the things to consider when deciding the best option.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

If you’re new to investing, how do you know where to start? Milford Financial Adviser Jess Travers talks to Toni, Jase and Sam on Coast, about the difference between passively and actively managed funds. She also outlines the things to watch out for if you choose to invest in the stock market independently.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

How easy is it to open an investment fund? Milford Senior Associate Maddie Cruickshank walks  PJ and Matty from The Hits through the simple process, and explains what happens after the fund is open.   This podcast is intended to provide general information only. It does not take into account your investment needs or personal circumstances. It is not intended to be viewed as investment or financial advice. Should you require financial advice you should always speak to a Financial Adviser. Past performance is not a reliable indicator of future performance. Milford is an active fund manager with views and portfolio positions subject to change. Milford Funds Limited is the issuer of the Milford KiwiSaver Plan and the Milford Investment Funds. Please read the relevant Milford Product Disclosure Statement at milfordasset.com. Before investing, you may wish to seek financial advice. The disclosure statements of all Milford Financial Advisers contain more information and are available for free on request. For more information and to see our Financial Advice Provider Disclosure statement, please visit milfordasset.com/getting-advice

With global volatility continuing, when is a good time to invest? Milford Financial Adviser Jess Travers talks to Toni, Jase and Sam on Coast about starting early, investment timeframes, and why dollar cost averaging can help tackle that unpredictable volatility.

The Reserve Bank has kept the OCR at 3.25%. Milford Senior KiwiSaver Financial Adviser Liam Robertson chats to Bree and Clint from ZM about why and what it means for everyday Kiwis.

After six back-to-back cuts, the Reserve Bank has held the Official Cash Rate at 3.25%  Liam Robertson, Senior KiwiSaver Financial Adviser at Milford, explains to PJ and Matty from The Hits how the OCR is used to heat up or cool down the economy, and what the hold means for banks, your mortgage, spending, term deposits, and why now could be a good time to consider opening an investment fund.

What do the new KiwiSaver changes mean for you? Milford Senior KiwiSaver Financial Adviser Liam Robertson, shares some key numbers with Bree and Clint from ZM to put the changes into context.

What’s the best way to start teaching your children about money? Milford Senior KiwiSaver Financial Adviser, Liam Robertson, talks to PJ and Matty from The Hits about how you can help your kids develop financial literacy and grasp the importance of money from a young age.

Term deposits or investment funds? Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on Coast, about what you should consider when reviewing both as options.

Things are looking up for young KiwiSaver investors, thanks to changes in the government’s recent budget. Milford Senior KiwiSaver Financial Adviser, Liam Robertson, talks to Bree and Clint from ZM about the changes ahead for 15-17-year-olds.

Are you starting to panic over global conflict and how it could affect your investments? Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on Coast, about the reasons things aren’t as uncertain as the seem.

Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks to PJ and Matty from The Hits about three key changes to KiwiSaver which were announced in the recent Government Budget. He talks through how those changes might affect you, and what it could mean for your future retirement savings.