KiwiSaver is a voluntary savings scheme to help set you up for your retirement. You can make regular contributions from your pay or directly to your scheme provider.

Kiwisaver offers you benefits that no other investment can. 

When you join a Kiwisaver scheme you will receive:

• Contributions from your employer (between the age of 18 and 65)
• Contributions from the Government (between the age of 18 and 65)
• First home withdrawal (conditions apply)
• Up to $10,000 first home grant (conditions apply)
• Your money is held in trust

If you are employed you can choose to contribute 3%, 4%, 6%, 8% or 10% of your gross (before tax) salary or wage. The earlier you start saving the better off you will be.

To find out more about Kiwisaver schemes and funds.

Kiwisaver fund comparisons

Let Futurisk provide you with information on how Kiwisaver will benefit you and help you to decide which fund is most suitable for you.

One of Futurisk's Insurance Financial Advisers can complete an audit of your income, your expenses, your debts and your plans for the future. This information is then analysed and entered into the Xero accounting program. You will be provided with a personalised Financial Overview of your current financial situation as well a personalised Debt Management Report which will show you how you can achieve your financial goals and save thousands of dollars in interest by becoming debt free faster and more efficiently.

Who Keeps track of your Money?

We can help you:

• Get proactive with your money and be in control of your finances
• Set and achieve financial goals
• Take the hassle out of managing your finances
• Save money in Interest costs
• Pay off your debt faster
• Increase your wealth / equity

Futurisk Waikato use and recommend Debt Management Plans with Xero which will help you manage your household finances like a well run business.

1. It starts with your own Personalised Plan, based on your financial audit​
2. Then this plan is entered into a personalised accounting program by Xero, which connects to your online banking, so you are able to run your home finances like a business and monitor and track your progress
3. Then you are provided with Training and Support to help you get the most out of Xero and your Debt Management Plan, including telephone reviews, so you gain equity faster and save time and money in the process!

• Imagine paying off your mortgage faster than you initially thought and not paying those overseas lenders all that interest, what could you do with that extra income? Dare to dream!
• Financial freedom may not be as difficult to achieve as you thought. Give Futurisk Waikato a call to arrange a meeting, either at your own home, workplace or another convenient location of your choice.
• Take the hassle out of managing your finances and become debt-free faster with your own Debt Management Plan.
• With the right plans in place, you can get the most out of your money instead of the bank.
• Futurisk Waikato can also help you get the right home loans, and the right insurance cover, so with the help of your own Debt Management plan, you can still be debt free even if a disaster does occur.

ACC provides an injury cover for everyone in New Zealand, no matter where the injury occurs. This is paid for by a combination of government funding and deductions from your income which are based on the industry you work in.

It covers you for accidents and injuries and making a claim is usually straightforward if you are employed with a regular income, and it should pay out 80% of your pre-disability income.

However, it is not always straightforward if you are a self-employed business owner?

What if you are self-employed and your income fluctuates? (the previous 12 months may not have been so good, with extra expenses and less work)

What happens if ACC decides they should not pay? They can say they believe the injury was caused thru degeneration or illness, due to your age. (Will you be covered if you have a heart attack? Can you prove it was a work-related accident?)

Most self-employed business owners are automatically put into ACC Cover Plus, however this may not be the ideal plan for you.