The wealth key
The lifestyle you want to live says a lot about who you are - the wealth key unlocks how to achieve it.
Bringing it all together in a 360 financial plan is what we do best.
Cashflow
Cashflow sits at the heart of the wealth key. Income provides the choice for how you allocate across each part of the wealth key, while expenditure provides a guide for the assets you may want to enjoy in life.
Lifestyle
It’s important to balance the need for the future with the enjoyment of the here and now. Here we cover the lifestyle assets that you may own, such as the family home, a holiday home or perhaps your cars.
Retirement
The goal in retirement is to keep living a life you enjoy by having sufficient assets to match the cost of that lifestyle. We work with you to figure out what is the number for financial independence, and when you want it by.
Legacy
What is it that you wish to leave behind for the next generation if anything? Inter-generational wealth transfer is important to get right. Do you wish to be Philanthropic? Whatever you decide your legacy to be, ensuring you leave the right amount of money to the right people at the right time, is one of the greatest gifts.
When you invest with SBS Wealth, interest isn’t just a number. We’re interested in you. Who you are, where you’re at and where you want to be.
Reading our investment articles is a good place to start, or bring your investing knowledge up to date. But when you want personal advice ahead of making an investment decision, a chat with an SBS Wealth adviser is a great next step – and it’s all part of the service.
Geopolitcal Jitters
The last three months of positive equity market returns is another example of how investment markets recover from short-lived anxiety, like the recent conflict between Israel and Iran. As with any major geopolitical event, investors face uncertainty about the impact these events might have on global economies and financial markets. Read more
Market update August 2025
Equity markets delivered a third month in a row of positive returns, amid greater clarity on trade tariffs for a 1 August deadline. The US announced tariff deals with a number of major trading partners in advance of the deadline. Additionally, the House of Representatives approved President Trump’s flagship tax and spending bills. Read more
Your questions answered
Financial advice
See what your retirement balance could be
Is your number enough?
Get in touch with us to talk about your retirement plans today.
Important Information: These figures only relate to KiwiSaver and do not take into account any other retirement savings or income you may have or be entitled to. This calculator is intended as a guide only and assumptions have been made. You can access the full calculator with links to the assumptions here. The assumptions are set by the Government and are important because they affect the result of the calculation. Find out more on the Financial Markets Authority website at: www.fma.govt.nz/ investors/resources/kiwisaver-projections/. Returns are not the returns individual KiwiSaver members would have received as this will depend on the prices at which units are purchased on the date that contributions were received for each KiwiSaver member. Please note that past performance is not necessarily indicative of future returns. Returns can be positive or negative, and returns over different time periods may vary. No returns are promised or guaranteed. Normally you can withdraw your KiwiSaver retirement savings when you reach New Zealand Superannuation age (currently 65 years).
Want to talk about your financial future? I’m listening.
Your future goals are personal, so you deserve personal financial advice to help you achieve them. Let’s talk.
