Don’t put all your eggs into one basket. Invest regularly into the markets via KiwiSaver, managed funds and other products to give you greater diversification, depending on your risk profile and time frame.
Bucket 1 the money you need to live on and enjoy your current lifestyle. This needs to be in mainly capital safe investments so it can used to top up your superannuation payments.
Bucket 2 helps fill up bucket one. Could be invested for five to ten years, with some in growth assets.
Bucket 3 fills up bucket two. May be 10-plus years before you need the cash, which allows you to invest in even more growth assets, like shares and property. This helps keep the buying power of your savings there when you need them.
It’s never too late to start saving for that next chapter in life. Even saving a little more now might just make the difference between a good outcome or having to make some much harder decisions about your next chapter when you stop work.
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