I found the best performing Kiwisaver returning a MASSIVE 116% in 1 YEAR! While this is amazing, it is also invested in a risky fund. So in this video I want to discuss that investing in safer regulated kiwisaver fund providers will lead to achieving a good retirement plan without taking unnecessary risk with hard earned life long savings. I go over actual numbers we can aim for and key information to achieve a better than average retirement as we live out our remaining years in this beautiful life.

Investing in KiwiSaver offers safer, regulated retirement savings compared to volatile cryptocurrencies, which pose risks for long-term security.

Highlights
• 🚀 Crypto KiwiSaver returned 116% last year, highlighting high-risk opportunities.
• 🏠 KiwiSaver can be used for first home purchases, impacting retirement savings.
• 📉 Cryptocurrencies are volatile and can jeopardize retirement funds.
• 🏦 Stable employment is crucial for accumulating retirement savings.
• 📊 Having a paid-off house is essential to reduce living costs during retirement.
• 💰 Budgeting for retirement is vital to ensure financial security.
• 📈 Traditional investments generally provide steadier growth than cryptocurrencies.

Key Insights
• 🔄 High Returns vs. Risk: While a 116% return from KiwiSaver is enticing, it stems from high-risk investments like cryptocurrencies, which can lead to significant losses. Evaluate risk tolerance carefully.
• 🏡 Homeownership Impact: Using KiwiSaver for a first home can reduce retirement savings but may provide long-term benefits by lowering living costs through mortgage payments.
• ⚖️ Regulation Matters: Traditional KiwiSaver funds are regulated, offering a more secure investment environment compared to the largely unregulated cryptocurrency market, which is prone to fraud.
• 🎯 Consistent Employment: Maintaining stable employment from age 20 to 65 is essential for accumulating sufficient retirement funds, emphasizing the importance of career planning.
• 💡 Retirement Planning: A realistic budget and understanding of future costs are necessary to ensure financial comfort during retirement.
• 🤝 Shared Living Costs: Living with a partner can significantly reduce expenses in retirement, highlighting the importance of companionship and financial planning.
• 📈 Long-Term Growth: Historical data suggests that traditional investments like stocks and property generally provide more reliable returns over time compared to the unpredictable cryptocurrency market.

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Disclaimer: This video is for entertainment purposes only. This is not to be considered as financial advice as I don't know what I'm doing as much as the next person in the stock market. Seek professional financial advise if needed, my gains come from beginners luck with a lot of actual time grinding out RESEARCH!

Use of sound credit, see links below:
Intro Music: From www.bensound.com
Sound: From (www.jshaw.co.uk) of Freesound.org

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#StockInvesting
#NewZealand

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