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Australian Superannuation
Hamilton Hindin Greene
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Did you know that assets accumulated in an Australian Superannuation scheme can be transferred to your KiwiSaver?
For those of us who have worked over there and accumulated some assets prior to returning home you could have a pot of assets in a Superannuation scheme there, that you might prefer to have over here if you are now staying permanently in New Zealand.
The overall process is relatively straightforward. You will need to complete a transfer out instruction with your Australian
Superannuation provider outlining details of your KiwiSaver scheme here. You will also need to complete a form for your KiwiSaver provider to let them know assets are being transferred in and identify where they are coming from. It isn’t a difficult process and from an administration perspective it may make managing your retirement assets a little easier.
If you think you have an Australian Superannuation scheme but can’t remember who it is with, you may be able to locate it through the Australian Taxation Office whose details can be found online.
Those of you with self-managed schemes may be interested in a bespoke KiwiSaver account such as that offered by Hamilton Hindin Greene using the Consilium KiwiWRAP.
Now could be a time to take stock of KiwiSaver and Australian superannuation assets, merge them together and consolidate them into a KiwiSaver scheme tailored to your own personal needs.
Contact your adviser if this is something you’d be interested in exploring further, or if you don’t have a dedicated contact, give us a call on 0800 10 40 50 and we’ll be happy to have a chat.
High-earning professionals deserve more from their KiwiSaver. Discover how tailored advice and the KiwiWrap platform give doctors, lawyers, and executives greater control and flexibility over their retirement savings.
Tailored KiwiSaver for Doctors, Lawyers, and Executives
In the fast-paced worlds of medicine, law, and corporate leadership, your time is precious. As a high-earning professional, your KiwiSaver strategy shouldn’t be an afterthought, it should be as bespoke as your career. But are default KiwiSaver schemes truly serving your long-term financial ambitions? Or is it time to demand more control, flexibility, and expert guidance?
At Hamilton Hindin Greene, we understand the unique KiwiSaver needs of New Zealand’s doctors, lawyers, and executives. Discover how a tailored approach, supported by the innovative KiwiWrap KiwiSaver platform, can empower you to take charge of your retirement savings, align investments with your goals, and make every dollar work harder for your future.
Why High-Earning Professionals Need Tailored KiwiSaver Advice
The Limitations of Default KiwiSaver Schemes
Most default KiwiSaver providers offer a narrow selection of funds and limited investment choices. For high-income professionals like you, accustomed to making informed decisions, this lack of control can be frustrating. You may also face generic advice that doesn’t reflect your complex financial circumstances, tax position, or appetite for risk and opportunity.
Unique Needs of Doctors, Lawyers, and Executives
Doctors, lawyers, and senior executives often:
Earn above-average incomes, allowing for larger KiwiSaver contributions
Value transparency, flexibility, and the ability to customise investments
Seek strategies for maximising tax efficiency and long-term growth
Want to integrate KiwiSaver planning with broader wealth management and retirement goals
Prefer professional advice tailored to their career trajectory and life stage
Tailored KiwiSaver advice helps transform KiwiSaver from a passive savings tool into a proactive wealth-building strategy, aligned with your career ambitions and family’s future.
Introducing KiwiWrap: Greater Control and Flexibility
What is KiwiWrap KiwiSaver?
KiwiWrap KiwiSaver is a unique platform that gives you greater control over your KiwiSaver investments. Unlike conventional schemes, KiwiWrap allows you to:
Select from a wide universe of New Zealand and global shares, fixed interest, listed property, and more
Build a portfolio that matches your values, risk profile, and long-term goals
Make timely adjustments as your circumstances change—whether you receive a promotion, buy a home, or plan for retirement
At Hamilton Hindin Greene, our advisers use KiwiWrap to craft truly bespoke KiwiSaver solutions for professionals who demand more.
Key Benefits for Professionals
Personalised Investment Choices: No more one-size-fits-all. Choose investments that reflect your career, interests, and financial objectives.
Transparency and Reporting: Track your portfolio’s performance with detailed and regular reporting, giving you peace of mind.
Integrated Wealth Planning: Coordinate your KiwiSaver with your wider investment, tax, and retirement strategies for holistic financial management.
How Hamilton Hindin Greene Delivers Tailored KiwiSaver Advice
Step 1: Understanding Your Unique Profile
We begin by getting to know you, your career, family situation, financial goals, and risk tolerance. This comprehensive understanding enables us to recommend KiwiSaver strategies that are highly personalised.
Step 2: Designing a Bespoke KiwiSaver Portfolio
With KiwiWrap, we help you:
Select individual investments that align with your risk appetite, whether that’s growth-oriented shares or steady fixed interest
Adjust your portfolio as your career evolves or as market conditions shift
Incorporate socially responsible or sector-specific investments if these align with your values
Step 3: Ongoing Guidance and Review
We provide regular reviews and transparent reporting, so you stay informed and confident. Our advisers are always available to answer questions, discuss opportunities, and help you navigate legislative or economic changes that may impact your KiwiSaver.
Actionable Tips for Professionals Optimising Their KiwiSaver
Maximise Contributions: Take advantage of employer matching and the government contribution to maximise your annual return.
Review Annually: Your career and financial situation will change, so should your KiwiSaver strategy. Schedule an annual review with an expert adviser.
Seek Professional Advice: The right adviser can help you avoid common pitfalls, such as unnecessary tax or missed opportunities for growth.
Ready to Take Control of Your KiwiSaver?
Don’t let your retirement savings be an afterthought. If you’re a doctor, lawyer, or executive ready for a tailored KiwiSaver approach, Hamilton Hindin Greene is here to help. Our experienced advisers will help you unlock the full potential of KiwiWrap, giving you more control, flexibility, and confidence as you plan for a rewarding future.
Discover how New Zealand professionals can take charge of their retirement by customising KiwiSaver contributions, investment choices, and withdrawal strategies for a smarter, more personalised future.
KiwiSaver for Professionals: Customising Your Retirement Strategy
Retirement may seem far away, but for high-earning professionals like doctors, lawyers, and executives, the foundations you set today will determine your financial freedom tomorrow. KiwiSaver is more than just a standard retirement savings account, it’s an opportunity to take control, tailor your investment approach, and ensure your retirement strategy aligns with your ambitions and lifestyle.
Why Professionals Need a Custom KiwiSaver Approach
Many KiwiSaver providers offer a one-size-fits-all solution. But as a busy professional, your financial situation is unique. You may have multiple income streams, complex tax considerations, or a desire for greater investment control. That’s why a bespoke approach to KiwiSaver retirement in NZ can make all the difference.
The Professional’s Dilemma: More Than Just a Savings Plan
High-earning professionals often face challenges such as:
Limited investment choices with default KiwiSaver schemes
Lack of transparency and control over underlying investments
Uncertainty about contribution levels and tax efficiency
Missed opportunities to align KiwiSaver with broader wealth and retirement goals
Customising your KiwiSaver isn’t just about maximising returns, it’s about ensuring your retirement plan evolves with you.
Tailoring Your Contributions: How Much and When?
Optimising Contributions for Maximum Benefit
KiwiSaver offers flexibility in how much you contribute, but many professionals stick to the minimum, missing out on significant long-term gains. Consider:
Employer matching: Are you contributing enough to maximise employer contributions?
Voluntary contributions: Can you top up your account to accelerate growth, especially in peak earning years?
Self-employed strategies: If you’re self-employed or run your own practice, how can you structure contributions for optimal outcomes?
Tax Considerations for Professionals
Higher earners can benefit from tax-efficient KiwiSaver strategies. For example, balancing salary, dividends, and contributions can reduce your overall tax burden. Professional KiwiSaver advice can help you navigate these nuances.
Investment Selection: Taking Control with KiwiWrap KiwiSaver
Why Investment Choice Matters
Default KiwiSaver funds often limit your options, investing mainly in broad-based funds. For professionals who value control, platforms like KiwiWrap KiwiSaver offer a wider investment universe, including direct shares, bonds, and more specialised assets.
Benefits of Custom Investment Selection:
Align with your risk tolerance: Choose a mix of growth and defensive assets that suits your stage of life and appetite for risk.
Access global opportunities: Don’t be restricted to New Zealand equities, consider global shares and fixed interest.
Ethical and personal preferences: Select investments that reflect your values, from sustainability to sector focus.
Managing Risk and Diversification
A bespoke KiwiSaver strategy ensures your portfolio isn’t overexposed to one asset class or market. Diversification across sectors and geographies can help cushion against market volatility and enhance long-term performance.
Withdrawal Strategies: Planning Beyond Age 65
Don’t Leave Your Retirement to Chance
KiwiSaver access typically begins at 65, but your approach to withdrawals should be as considered as your contributions and investments. Professionals often have:
Multiple income sources in retirement (property, business, trusts)
Develop a withdrawal plan that balances regular income with portfolio longevity. This may involve phased withdrawals, or integrating KiwiSaver with other retirement assets. Comprehensive KiwiSaver retirement NZ advice can help ensure you don’t outlive your savings.
The Hamilton Hindin Greene Advantage: Personalised KiwiSaver Strategies
At Hamilton Hindin Greene, we understand the unique needs of high-earning professionals. Our advisers offer:
Customised KiwiSaver and retirement planning
Access to KiwiWrap KiwiSaver for maximum investment flexibility
Integrated wealth management covering all facets of your financial life
Transparent, high-touch service built on longstanding client relationships
Take Control of Your KiwiSaver, And Your Future
You’ve worked hard to build your career. Now it’s time to make your money work just as hard for you. If you’re ready to take your KiwiSaver, and your retirement strategy, to the next level, talk to Hamilton Hindin Greene’s expert advisers today. Our professional KiwiSaver advice can help you design a bespoke plan that delivers confidence, control, and lasting wealth through every stage of your life.
Learn why high-net-worth New Zealand investors are choosing independent advisers for tailored portfolios, transparent performance, and enduring wealth management relationships.
When it comes to preserving and growing significant wealth, discerning New Zealand investors know that the right advice makes all the difference. In a world where financial institutions offer “one-size-fits-all” solutions, many high-net-worth individuals (HNWIs) are seeking something more: bespoke service, true transparency, and a trusted relationship with an independent investment adviser.
The Value of Independence in Wealth Management NZ
Unbiased, Bespoke Advice
Unlike large institutions with their own products to sell, an independent investment adviser in NZ is not beholden to any one fund manager, bank, or corporate agenda. Instead, they are free to scour the market for the most suitable opportunities, tailoring their recommendations to your unique financial situation, risk appetite, and long-term goals.
For our clients with complex assets and a desire for intergenerational wealth preservation, this independence is invaluable. It means your portfolio is crafted around your needs, not someone else’s targets.
Access to a Wider Investment Universe
Independent advisers, like those at Hamilton Hindin Greene Ltd, have the flexibility to recommend New Zealand and global equities, fixed interest, listed property, and alternative investments. If you’re seeking advanced strategies or want to explore options beyond the mainstream, independence ensures you’re not limited to a narrow product shelf.
Performance Transparency and Accountability
Clear Reporting, Real Results
Transparency is a cornerstone of trust. High-net-worth investors expect to see not just promises, but actual performance data and clear reporting. At Hamilton Hindin Greene, we provide regular portfolio reviews, detailed statements, and open communication so you can track progress towards your goals.
This clarity is particularly important for trustees and family offices, who must demonstrate prudent stewardship and compliance. Our independent model ensures that your interests always come first, with no hidden fees or conflicts of interest clouding the picture.
Ongoing Portfolio Management
Markets evolve, and so should your investment strategy. Independent advisers offer non-discretionary portfolio management, reviewing asset allocations and making adjustments as your circumstances or the economic environment changes. This proactive approach helps safeguard capital through market cycles, a key concern for those focused on wealth preservation.
Relationship-Based Advice for the Long Term
A Trusted Adviser, Not Just an Account Manager
High-net-worth advice is about more than numbers; it’s about partnership. Independent investment advisers in NZ build long-term relationships with clients, often serving multiple generations. By understanding your family dynamics, succession plans, and philanthropic ambitions, your adviser can offer guidance that truly aligns with your values and vision.
Integrated Wealth and Retirement Planning
From KiwiSaver optimisation (including advanced options like KiwiWrap KiwiSaver) an independent adviser provides holistic advice. For high-earning professionals and retirees alike, this integrated approach brings peace of mind and confidence in your financial future.
Why Hamilton Hindin Greene?
As one of New Zealand’s leading independent investment advisory firms, Hamilton Hindin Greene has a long-standing reputation for integrity, expertise, and personal service. Our advisers work collaboratively with clients to construct, manage, and preserve wealth helping navigate both opportunities and challenges with clarity and confidence.
Ready for a Different Conversation?
If you value independence, transparency, and a genuine relationship with your adviser, it’s time to explore how Hamilton Hindin Greene can help you achieve your financial goals. Contact us today for a confidential consultation and discover the difference that true independence makes.
