Total Wealth

Total Wealth Total Wealth helps Kiwis make smarter money decisions. Wealth Planning, Home loans, KiwiSaver, retirement and insurance. Based in Christchurch helping NZ wide.

Friendly expert advice with wider support from a stronger team. www.totalwealth.co.nz At Total Wealth, we help everyday New Zealanders make smarter financial decisions with clear, friendly advice. Whether you're buying your first home, reviewing your mortgage, growing your KiwiSaver, planning retirement, protecting your family, or building long-term wealth, our experienced team is here to guide yo

u every step of the way. Born from the coming together of Friendly Finance and Total Wealth, we bring together wider expertise, more support, and a stronger team - all with the same personal service our clients know and trust. Based in Christchurch, helping clients across New Zealand. Friendly advice. Smarter strategies. Better futures.

Should you be in shares, property, gold, cash or bonds?The truth is, there is no single “best” investment all the time.G...
13/07/2026

Should you be in shares, property, gold, cash or bonds?

The truth is, there is no single “best” investment all the time.

Gold might have a strong run. Shares might lead the way in another period. Cash can feel safe, but inflation still matters. Property can perform well, but it has its own ups and downs too.

Last decade’s winner may not be next decade’s winner.

That’s why constantly moving your money into whatever has recently done well can be risky — you may end up buying after prices have already risen and selling other investments after they have fallen.

A better approach?

Stay diversified. Keep your timeframe in mind. Review your plan when your circumstances change, not just because the headlines do.

This is where we come in - helping you stay clear on your long-term plan and avoid knee-jerk decisions when markets move.

www.totalwealth.co.nz

Wishing Nigel a very happy birthday from all the team 🎊There will be cake!
09/07/2026

Wishing Nigel a very happy birthday from all the team 🎊

There will be cake!

Mānawatia a Matariki.As we pause to mark the Māori New Year, it’s a time to reflect on the year gone by, celebrate the p...
09/07/2026

Mānawatia a Matariki.

As we pause to mark the Māori New Year, it’s a time to reflect on the year gone by, celebrate the present and look ahead with hope.

From all of us at Total Wealth, we wish you and your whānau a peaceful Matariki.

Cash may feel safe, but standing still can still cost you.Cash is important for emergencies, short-term goals and money ...
07/07/2026

Cash may feel safe, but standing still can still cost you.

Cash is important for emergencies, short-term goals and money you may need soon.

But over the long term, inflation gradually reduces what your money can buy. That means the return you earn matters less than the return you keep after inflation and tax.

The right balance depends on when you need your money and what you are trying to achieve. Not sure? Let's grab a coffee and have chat.

If you want to dive in more, read here: www.totalwealth.co.nz/2026/07/02/what-100-years-of-investment-returns-can-teach-us

What Can Nearly 100 Years Of Investment Returns Teach Us? Firstly, 100 years of market history tells us one thing: there...
02/07/2026

What Can Nearly 100 Years Of Investment Returns Teach Us?

Firstly, 100 years of market history tells us one thing: there is no permanent winner.

Shares, property, bonds, cash and gold have all had their time at the top - and their tougher periods too.

That is why successful investing is rarely about chasing the latest standout performer. It is about having a diversified strategy that suits your goals, timeframe and comfort with risk.

Our latest article is a great read as it looks at the key lessons we can take from long-term investment returns.

Read more: www.totalwealth.co.nz/2026/07/02/what-100-years-of-investment-returns-can-teach-us/

Thinking about buying, refinancing or restructuring your mortgage?Please do not just accept whatever pops up first.The r...
01/07/2026

Thinking about buying, refinancing or restructuring your mortgage?
Please do not just accept whatever pops up first.

The right lending structure can affect:
- How much interest you pay
- How quickly you repay your loan
- How flexible your finances feel
- How much breathing room you have when life changes

At Total Wealth, we compare options across lenders and help you structure your mortgage around your bigger financial picture.

Because a home loan is not just a rate.

It is a strategy 🏡

There is a lot for households to think about right now.Interest rates are moving.Living costs are still being felt.Marke...
29/06/2026

There is a lot for households to think about right now.

Interest rates are moving.

Living costs are still being felt.

Markets are up one week and down the next.
And KiwiSaver has had some important changes too.

It is no wonder many people feel unsure about what to do next.
But uncertainty is exactly when a clear financial plan matters most.

You do not need to react to every headline. You need a strategy that suits your goals, your stage of life and your comfort with risk.

Book a free chat with Nigel or Katrina
https://app.acuityscheduling.com/schedule/75f0c3f2

KiwiSaver has changed -but has your strategy changed with it?From April 2026, the default employee and employer contribu...
23/06/2026

KiwiSaver has changed -but has your strategy changed with it?
From April 2026, the default employee and employer contribution rate moved from 3% to 3.5%, with another increase to 4% planned from April 2028.

For some people, that is a helpful step towards building more for retirement.

For others, it raises questions about take-home pay, affordability and whether their current fund still suits their goals.
KiwiSaver is not something to “set and forget” for years.

Your fund type, contribution rate and long-term plan can make a real difference - whether you are saving for your first home or planning for retirement.

At Total Wealth, we can review your KiwiSaver and help you understand whether it is working hard enough for your future.
Start with a free chat over a coffee ☕

Book today, no obligation, just friendly help: https://app.acuityscheduling.com/schedule/75f0c3f2

Don’t miss out on your KiwiSaver government contributionHave you contributed enough to your KiwiSaver this year?To recei...
21/06/2026

Don’t miss out on your KiwiSaver government contribution

Have you contributed enough to your KiwiSaver this year?

To receive the maximum government contribution of $260.72, eligible members need to have contributed at least $1,042.86 of their own money between 1 July 2025 and 30 June 2026.

Check your contributions now and, if there’s a shortfall, aim to make your top-up by 20 June to give it time to be processed.

Not in KiwiSaver? You may know someone who is — tag them or send this their way.

Need help checking where you stand?

Get in touch with Nigel 021 186 2768

Your mortgage, KiwiSaver, investments, insurance and retirement plans are not separate little boxes.They all affect each...
17/06/2026

Your mortgage, KiwiSaver, investments, insurance and retirement plans are not separate little boxes.

They all affect each other.

A bigger mortgage can change how much you invest.
Your KiwiSaver settings can impact your first home deposit or retirement income.
Your insurance protects the plan you are working so hard to build.

That is why good financial advice looks at the full picture, not just one decision in isolation.

At Total Wealth, we help you bring the pieces together so your money has a clear job, a clear direction and a plan behind it.

Book a free consultation and let’s look at where you are now - and where you want to go next.

Address

Ground Floor, 568 Wairakei Road, Burnside
Christchurch
8053

Opening Hours

Monday 8am - 8pm
Tuesday 8am - 8pm
Wednesday 8am - 8pm
Thursday 8am - 8pm
Friday 8am - 8pm
Saturday 9am - 5pm

Telephone

0211862768

Website

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