Gavin Hyde - Registered Financial Adviser at lika

likaADVICE is here for you whether it is lending, insurance, kiwisaver or asset protection we have you covered. With 20+ years experience Gavin has the tools and skills to help you navigate the financial seas, avoid the sales sharks and product maelstroms.
Gavin Hyde - Registered Financial Adviser at lika
Gavin Hyde - Registered Financial Adviser at lika
Generate May 2019 Newsletter

April was a great month for members.

First up, Morningstar released its latest quarterly KiwiSaver survey to 31 March 2019. Generate’s Growth Fund was the only KiwiSaver fund in the multi-sector growth category to return double digits for the year with a 10.5% return after fees*, ranking it 1st out of 27 funds. It also ranked 1st out of 21 funds over five years with a return of 10.8% per annum after fees*.

If you would like to change to Generate KiwiSaver or have a general discussion about KiwiSaver please contact me for a free no-obligation appointment.

Gavin Hyde
Registered Financial Adviser
0221883844

http://generatekiwisaver.cmail19.com/t/ViewEmail/d/D7728ED35220BDEB2540EF23F30FEDED/7344EF444885A841FE6194DE962A274B
Gavin Hyde - Registered Financial Adviser at lika
Gavin Hyde - Registered Financial Adviser at lika
This morning the BNZ announced it's 3-year fixed rate for an owner-occupied home loan has been dropped to 3.89%.

This continues the current market easing in midterm fixed rates. If you would like to re-fix your rates contact me to take the hassle out of it.

Recent changes to KiwiSaver will mean that over 65-year-olds will be able to join or rejoin the scheme. This is great news with many retirees relying on passive income from term deposits and with interest rates dropping they are hurting. Now they have the option of a conservative fund at a Kiwisaver provider as a well-regulated alternative or addition to their term deposit investments.

Send a message to discuss these or any other financial questions you have.
Gavin Hyde - Registered Financial Adviser at lika
Gavin Hyde - Registered Financial Adviser at lika
Generate KiwiSaver's Growth fund has been the no.1 performing KiwiSaver growth fund over the past year and the past five years to 31 March 2019. The fund has returned 10.78% per annum for five years compared to the average growth fund returning 8.69%. These returns are measured after the fees have been paid so you can make a meaningful comparison between KiwiSaver funds. A small difference in returns over the long term can have a big difference to your retirement, potentially tens to hundreds of thousands of dollars. See the latest Morningstar KiwiSaver Quarterly Report for KiwiSaver fund returns after fees comparison. https://www.morningstar.com.au/s/documents/KiwiSaver-Survey-Q1-2019.pdf For a copy of the Generate PDS and advertising disclosures please go to www.generatekiwisaver.co.nz/pds . Past performance is not a reliable indicator of future performance. The issuer is Generate Investment Management Ltd.

Message me to look to transfer to Generate KiwiSaver.
Gavin Hyde - Registered Financial Adviser at lika
Gavin Hyde - Registered Financial Adviser at lika
A timely reminder of how devastating the flu (influenza) can be. Getting a flu jab can protect you against some of the major strains. See your doctor or enquiry about workplace or school schemes.
Wishing Zae a good recovery from this experience

https://www.fightflu.co.nz/

https://www.stuff.co.nz/sport/112447479/hes-a-fighter-young-rugby-league-player-zae-wallace-in-coma-after-catching-flu?fbclid=IwAR3VXK5rRtC2Fba2ZE-3Tks-tw3qPHqoyahSY3O-O6-9MN_2CvlRBb_MPIE
Gavin Hyde - Registered Financial Adviser at lika
Gavin Hyde - Registered Financial Adviser at lika
Good Health equals Good fiscal sense series #1

30mins to 60mins of moderate to intense walking 5 times a week has been proven in multiple studies to improve your health but how much do you need to do for it be a weight loss catalyst?

http://blog.myfitnesspal.com/how-much-do-you-really-need-to-walk-to-lose-weight/?utm_source=international&utm_medium=email&utm_campaign=MFP_Intl_NL_UI_Weekly_20190408&os_ehash=55@sfmc:3380358
Gavin Hyde - Registered Financial Adviser at lika
Gavin Hyde - Registered Financial Adviser at lika tagged Family Trust setup and Fixed Interest rate review - beat the rising rates.
Further easing in interest rates is now apparent with Westpac NZ announcing a range of new special* rates this morning.

1-year 4.05%
2-years 3.99%
3-years 3.95%
4-years 4.35%
5-years 4.45%

If you would like to refix with Westpac or your own bank contact me to arrange. Also, a great time to look at a renovation top-up or other equity access projects.

Gavin Hyde

* applicable for loans with loan to Value ratios of less than 80%

Injury stoppage as the @NZ_Falcons lead Grammar 20-10 with 15 mind to go. https://t.co/arhxw285RN seehydenorhair photo

Rugby: Wallabies great lambastes coach Michael Cheika over Israel Folau stance, via @nzherald https://t.co/YqHoueZ9r0

Sad to see Nick Farr-Jo es joining & supporting the prejudice trainwreck @izzyfolau @nzherald https://t.co/YqHoueZ9r0

On International women's day here are 25 quotes from leaders across multiple industries

orig. source zoominfo blog

NASA are reporting you can see the red at Mt Smart from Space. 😮 #RoosTonga #MateMaaTonga
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