Investing is about more than choosing an investment or watching how markets perform. The right investment strategy should reflect your goals, timeframe, financial position and the level of risk you are comfortable taking.

At Core Advice, we provide personalised financial advice to help you make informed investment decisions and build a strategy around your longer-term goals. This may include KiwiSaver, managed funds and other investment options, whether you’re building wealth, investing for retirement or looking to make better use of your existing investments.

check your investor risk profile

Understanding your investor risk profile is an important part of making informed investment decisions.

Your profile considers both risk capacity – how much investment risk you can afford to take – and risk tolerance – how comfortable you are with investment ups and downs. Together, these factors help determine the types of investment funds and options that may be appropriate for your circumstances, goals and investment timeframe.

Use the Wealthpoint questionnaire as a starting point to understand your investor risk profile and the types of investments you may wish to discuss with a Financial Adviser.

check your correct PIR tax rate

The Prescribed Investor Rate (PIR) is the tax rate used to calculate tax on income earned from certain PIE investments, including many KiwiSaver and managed fund investments.

Using the correct PIR is important. If your PIR is too high, you may pay more tax than necessary; if it is too low, you may have additional tax to pay.

Your correct PIR depends on your circumstances and taxable income. Use the IRD calculator to check your PIR, and speak with a Financial Adviser if you are unsure how your tax rate applies to your KiwiSaver or other investments.

KiwiSaver retirement calculator

KiwiSaver can form an important part of your long-term retirement savings strategy. The amount you contribute, how your money is invested and the time you have invested can all affect the value of your retirement savings over time.

Use the Sorted KiwiSaver calculator to estimate how your current contributions could build towards your future goals.

If you’re unsure whether your current contribution rate, fund choice or investment approach is right for you, KiwiSaver advice can help you understand your options as part of a broader retirement planning strategy.

join the AMP KiwiSaver scheme

Choosing a KiwiSaver provider and fund is an important part of your long-term investment strategy. The right option can depend on your investment timeframe, risk profile, fees, objectives and personal circumstances.

Core Advice can provide KiwiSaver advice to help you review your current provider and fund, understand your options and consider how KiwiSaver fits into your wider investment and retirement planning strategy.

If AMP KiwiSaver is appropriate for your circumstances, you can find out more or join the AMP KiwiSaver scheme below.