Better Decisions | Better Outcomes | Better Lifestyle

KiwiSaver and Investments

Regularly investing in an investment portfolio or retirement account can lead to huge long-term benefits.

Regularly investing in an investment portfolio or retirement account can lead to huge long-term benefits. We understand that the markets can appear complex and full or jargon, but we aim to take the confusion away and highlight the benefits of investing.

At Cave Financial we offer a full investment advice service based on a unique 'evidence based' approach - it is great for those who are planning for retirement, investing large lump sums, or saving for future financial goals.

For up to data information, check out our quarterly investment updates.

Lump Sum Investing

Whether you should invest a lump sum of money largely comes down to your tolerance of risk. By this we mean how comfortable you would feel when markets fluctuate.

Lump sum investing is advantageous for many reasons – you’ll gain exposure to the markets sooner and are able to take full advantage of market growth, and historically the returns of stocks and bonds exceeds the returns of cash. Lump sum investing Lump sum investment is suitable for individuals who prefer to invest through long-term, usually an investment tenure of approximately 10 years.


KiwiSaver is a work-based savings scheme with the added benefit of employer and government contributions to boost your balance and fast-track you to achieving your goals.

You will make regular contributions to your savings, which are taken directly from your pay. You get to decide how much of your salary you contribute, ranging from 3% - 10%, allowing you to choose an affordable amount whilst giving you the best chance of maximising your savings.

One of our qualified financial advisors can help you get the most from the scheme, so you can just watch your savings stack up.

Regular Investing

Regularly investing every month or at set periods throughout the year can pay off in many ways - little by little you are working towards your investment goals, at a frequency that suits you. 

Further more, you gain from ‘dollar cost averaging’ where you are effectively buying into the market at different times and benefiting from both high and low prices. This type of scheduled investing helps take the emotion out of being an investor as you do not need to worry about timing the market.

Managed Funds & Shares

Managed funds appeal to many investors, especially those who are new to investing as instead of investing directly, your money will be pooled with other investors’ money and spread across a range of investments – all chosen by the fund manager.

Managed funds can be focused in a particular type of investment or market such as shares, commodities, or emerging markets. Managed fund prices will often rise in value, but there is also the risk the price of a fund can drop below what we paid for it.

Need our help?

We're here to answer your questions.

Get in touch with us today
  • Cave Financial have given us excellent advice on both our KiwiSaver and Investment Property Portfolio. I highly recommend Michael and Team. They're helpful, friendly, explain things making it easy to understand and walk you through every step of the process. Highly recommended!


  • Cave Financial and team have been the absolute back bone of not only my business but my family’s future. I have so much respect and trust for your team, Michael. I’m so grateful to have your full support and feel secure with your values and guidance. I would highly recommend Cave Financial to anybody wanting peace of mind. 10/5 service!


  • Helped so much with answering all of our questions around life insurance, then got us the best deal. Couldn’t be happier. 10/10.

    Lana and Hannah

  • We’re a long-term customer of Cave Financial. Michael and his team consistently provide professional and effective services whilst making us feel valued and seen. We appreciate being a customer of yours for 10+ years.


  • I cannot recommend Michael and the team at Cave Financial highly enough. They steered me through a complicated set of mortgage applications with professionalism, good cheer, and were incredibly prompt with every query I made. On top of that they negotiated a better rate! I would not have been able to get through this arduous process without their skill and care.


Latest articles

Top tips to help you achieve financial freedom: Part One

Chances are, you won't win the lottery or make enough money to retire by age 30! So, it’s important you have a strategy in place to maximise your financial opportunities.
Financial success is a lifelong project - it's about working hard, of course, but it's also about making good decisions along the way.
That's why we have collated our top financial wellness tips. Join us every day for a week where we will cover everything from getting started, spending and saving, insurance and investments and even common money mistakes. It's never too late to improve your financial future.

Top tips to help you achieve financial freedom: Part Two

Today’s financial wellness tips focus on two sides of the coin - being a smart saver and a better borrower.
It could be argued that they both serve the same purpose of providing usefully large sums of money. Whilst borrowing money can allow you to realise your dreams quicker than saving can, many see saving as a more secure and manageable way of accumulating funds.
Today’s installment offers advice on how to create an achievable, realistic savings plan, prioritising your goals and how to get the most out of your savings account. We also look at how to keep your borrowing under control, but also how borrowing can have its benefits in the long run.

Top tips to help you create financial freedom: Part Four

For the majority of us, our main source of income is derived from paid employment. Therefore, it could be argued that wages or salary is one of, if not the most, important component in achieving financial wellbeing.
Today we look at ways to maximise what you earn, but also consider the impact of losing that income and how to protect what you have spent so many years working towards.