Better retirements start with clarity
Practical explainers, templates, and frameworks for Kiwi households planning the next chapter. Everything we publish is jargon-light and research-backed.
The content on this blog is for educational purposes only. fidser is not a licensed Financial Advice Provider — please consult a qualified Financial Advice Provider (FAP) before making financial decisions.
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Latest Articles
7 articles found
Is the NZ Super Age Going to Change? What to Assume When Planning
Every few years, the question comes back: will New Zealand raise the eligibility age for NZ Super? The debate has simmered for decades, intensifying with every budget cycle and election campaign. For mid-career Kiwis planning for retirement, it's a question that carries real weight, especially when you're trying to model a plan 15 or 20 years out.
fidser.
Building a Second Income Stream to Sit Alongside NZ Super
If you're relying solely on NZ Super for retirement, you're not alone - but you might be wondering how to make ends meet. Let's explore practical ways to create a second income stream that can sit comfortably alongside your government payment.
fidser.
NZ Super Payment Rates in 2026: After-Tax Reality Check
The official NZ Super rates look straightforward until you factor in tax codes, living situations, and whether you're single or partnered. Here's what you'll actually receive in your bank account in 2026, and why your neighbour might get a different amount despite the same gross payment.
fidser.
Retirement Planning for Couples with an Age Gap
When you're in an age gap relationship, retirement planning gets more complicated. What happens when one of you reaches 65 while the other still has years to go? Here's how to navigate NZ Super timing, income gaps, and create a retirement plan that works for both of you.
fidser.
NZ Super and Working: How Employment Affects Your Entitlement
Here's the best news you'll hear today: you can work full-time, earn a six-figure salary, and still receive your full NZ Super. Unlike many overseas pensions, NZ Super has no income test. But before you celebrate, there's a crucial catch you need to understand about tax.
fidser.
Can You Live on NZ Super Alone? A Realistic Budget Breakdown
You've paid into the system for decades, and now you're wondering: can I actually live on NZ Super when I retire? Let's look at the real numbers, real expenses, and what life on the pension actually looks like in different parts of New Zealand.
fidser.
NZ Super at 65: What You Actually Get and How to Plan
NZ Super is the foundation of retirement for most New Zealanders, but many people approaching 65 don't know exactly how much they'll receive or how their living situation affects their payments. Understanding what you'll actually get is the first step to building a retirement plan that works.
fidser.