FAQs.

Yovich & Co helps clients make informed investment decisions and build, manage, and enjoy long term wealth.

Our services include Personalised Portfolio Management, Investment Broking, KiwiSaver Advice, and ongoing portfolio reporting and review. We take the time to understand each client's goals and provide clear guidance supported by research, experience, and a disciplined investment approach.

Yovich & Co is best suited to motivated investors who want more than a product or trading platform.

Some of our clients have established wealth and want to generate retirement income, protect their capital, simplify their investments, or leave a legacy. Others are earlier in their journey and want to use time and compounding to build long term wealth.

The common thread is that they value professional advice, considered decision making, and a strategy built around their goals. Depending on where you are in your investment journey, this may include Personalised Portfolio Management, Investment Broking, or KiwiSaver Advice.

We are less likely to be the right fit if your main priority is frequent speculative trading, crypto speculation, or finding the lowest cost app-based trading platform. Our focus is on considered investment decisions and building wealth over the long term.

However, you do not necessarily need full personalised advice to work with us. Investors who are comfortable making their own decisions but still value professional research, market information, and access to an adviser may be suited to our Investment Broking service.

No. You do not need $1 million before speaking with an adviser.

For clients seeking Personalised Portfolio Management, we typically work with investable portfolios from around $150,000, although there may be flexibility depending on your circumstances, goals, and the type of advice you need.

We also work with people who are still building their wealth through services such as KiwiSaver Advice and Investment Broking. There is no minimum balance for KiwiSaver Advice.

The right service depends on where you are in your investment journey, the level of guidance you need, and whether our advice led approach is right for you, rather than whether you have reached a particular number.

Not always. The decisions you make while building wealth can be just as important as the decisions you make once you have accumulated it.

Seeking advice earlier may help you establish a clear strategy, choose an appropriate level of risk, avoid common investment mistakes, and make better use of time and compounding.

A conversation with an adviser can help you understand whether advice would add value now or whether there are practical steps you can take before beginning a broader investment relationship.

No. We work with clients at different stages of their investment journey.

Some clients are approaching retirement and want to create a sustainable income from their investments. Others are managing established wealth, preparing for future generations, or building their investment portfolio over time.

What matters most is that you value clear advice, considered decision making, and a long-term investment strategy.

Yes. We provide personalised KiwiSaver Advice to help clients understand how their KiwiSaver should be invested and how it fits within their broader financial goals.

We can help you consider your fund choice, investment risk, timeframe, retirement objectives, and whether your current KiwiSaver settings remain appropriate as your circumstances change.

There is no minimum KiwiSaver balance required to seek advice.

With Personalised Portfolio Management, we consider your financial position, goals, timeframe, investment experience, and tolerance for risk. We then develop an investment plan and provide recommendations tailored to you. The service also includes ongoing advice, portfolio monitoring, regular reviews, administration, and reporting.

With Investment Broking, you make the investment decisions and instruct us what to buy or sell. We can provide research, market information, and general guidance on investments, but the service does not involve developing and maintaining a personalised investment strategy around your broader circumstances and goals.

Yes. Full personalised advice is not the only way to work with Yovich & Co.

Through our Investment Broking service, investors who are comfortable making their own decisions can access research, market information, investment administration, and support from an adviser. You remain responsible for deciding which investments to buy or sell.

The most suitable service will depend on how much guidance you want and whether you require recommendations tailored to your broader circumstances and goals.

We follow a clear six step advice process designed to turn your goals into an investment strategy and keep that strategy on track over time.

The process begins by establishing the adviser and client relationship and understanding your financial position, goals, needs, timeframe, and tolerance for risk. We then analyse the available investment options, develop and present our recommendations, and work with you to implement the agreed investment plan.

The final step is ongoing monitoring and review. We regularly assess whether your portfolio remains aligned with your goals and make adjustments when your circumstances, objectives, or market conditions change.

The first step is a conversation with our team.

We will ask what you are hoping to achieve and discuss whether you need KiwiSaver Advice, Investment Broking, Personalised Portfolio Management, or another form of investment guidance.

Depending on the service, it can be helpful to have information about your current investments, financial position, income needs, goals, and investment timeframe. You do not need to have everything organised before contacting us. We can explain what information is required and guide you through the next steps.

Our focus is investment advice, portfolio management, Investment Broking, and KiwiSaver Advice.

We do not provide specialist tax, legal, mortgage, or property syndication advice. Where these services are required, we may recommend that you speak with an appropriately qualified professional.

We are also not focused on day trading, speculative crypto activity, or promoting generic investment products. Our approach is built around considered decisions, appropriate diversification, and long-term wealth management.

Clients choose Yovich & Co because they want clear advice, direct access to experienced advisers, and a relationship that continues beyond the initial recommendation.

Our approach is advice led rather than product led. We consider a wide range of investment options and shape our recommendations around each client's goals, circumstances, and long-term interests.

Clients also value our accessibility, responsive service, and disciplined focus on helping them turn their wealth into greater freedom, security, and choice.

For clients using our custodial service, investments are administered through NZX Wealth Technologies, with the investments held through the relevant custody arrangements rather than directly by Yovich & Co.

This means client investments are separate from Yovich & Co's own business operations and are not simply held on Yovich & Co's balance sheet.

If Yovich & Co ceased trading, there may be an administrative process involved in transferring or accessing investments, but the custody arrangements would continue to govern how those assets are held.

The exact arrangement can depend on the service you use and how your investments are registered. Your adviser can explain the structure that applies to your portfolio.

KiwiSaver is a voluntary retirement savings and investment scheme for eligible New Zealand citizens and permanent residents living, or normally living, in New Zealand. Your KiwiSaver contributions are invested by a KiwiSaver provider in managed funds, which means your balance can rise and fall over time.

Most employees can choose to contribute 3.5%, 4%, 6%, 8% or 10% of their before-tax pay to KiwiSaver. The right KiwiSaver contribution rate depends on your income, retirement goals, timeframe, mortgage or debt commitments, and wider financial position.

You can generally access your KiwiSaver savings when you reach the age of eligibility, currently 65. Early KiwiSaver withdrawals may be available in limited circumstances, including buying your first home, significant financial hardship, serious illness, a life-shortening congenital condition, or permanently moving overseas, other than to Australia.

KiwiSaver funds are commonly grouped into fund types such as defensive, conservative, balanced, growth and aggressive. The main difference between KiwiSaver fund types is how your money is invested, including the mix of shares, property, bonds and cash. This affects the level of investment risk, the level of short-term fluctuation, and the expected long-term return.

KiwiSaver should be reviewed regularly, especially after changes in income, employment, family circumstances, mortgage commitments, business interests or retirement goals. A review can help confirm whether your current provider, fund type, risk level and contribution rate still suit your goals and timeframe.

You don't need financial advice to join or manage KiwiSaver. But advice can help ensure your KiwiSaver is aligned with your wider financial position and long-term objectives. KiwiSaver advice can help you choose an appropriate fund, understand your risk level, review your contribution rate, and make informed decisions about retirement, first home planning or broader financial goals.

The best KiwiSaver fund for you depends on your goals, investment timeframe, tolerance for risk, and when you expect to use the money.

Someone with many years until retirement may be comfortable with a growth-focused fund. Someone closer to retirement or planning a first home withdrawal may prefer a more conservative approach. KiwiSaver funds are commonly grouped into defensive, conservative, balanced, growth and aggressive options. The right type depends on your timeframe and attitude to risk.

Choosing a KiwiSaver fund is also about more than the fund type. The fund manager should align with your preferences and expectations. This may include whether you prefer active or passive investment management, how the manager approaches responsible investing or ESG, how much control and visibility you want, how easy the provider makes it to manage your KiwiSaver, and whether factors such as ownership, size, experience, or being New Zealand owned are important to you.

A KiwiSaver Review can help you assess both the investment settings and the fund manager behind them. So your KiwiSaver is not chosen based only on recent performance, but on overall suitability for your situation.

A KiwiSaver Review looks at how your KiwiSaver is currently set up and whether it remains suitable for your circumstances.

This may include reviewing your provider, fund type, contribution rate, investment risk, fees, goals and timeframe. It also considers how your KiwiSaver fits alongside your broader financial position, including your mortgage, property plans, business interests, cashflow and retirement goals.

At Yovich & Co, our KiwiSaver Service may include preparation, analysis, modelling, personalised recommendations, written follow-up and ongoing reviews, depending on the service agreed with you.

Yes, you may be able to use KiwiSaver to help buy your first home if you meet the eligibility requirements. Inland Revenue states that you must generally have been in KiwiSaver for at least three years before withdrawing funds for a first home purchase.

Using KiwiSaver for a first home can help with your deposit, but it can also affect your long-term retirement savings. It is worth considering the decision alongside your mortgage, deposit, cashflow and broader financial plan.

The KiwiSaver government contribution is an annual contribution paid into eligible members' KiwiSaver accounts.

The Government contributes 25 cents for each dollar you contribute, up to a maximum government contribution of $260.72 each year. To receive the maximum amount, you generally need to contribute at least $1,042.86 during the KiwiSaver year, subject to eligibility criteria, including income eligibility of $180,000 or under.

A KiwiSaver Review can help you understand whether your contribution level is appropriate and whether you are making the most of the benefits available to you.

Yes, you can change your KiwiSaver provider. Inland Revenue states that you can change your KiwiSaver provider at any time, although you can only belong to one KiwiSaver scheme at a time.

You may also be able to change funds within your current provider, depending on the options they offer.

Before switching provider or fund, it is important to consider more than recent performance. Fund type, investment risk, fees, fund manager style, your timeframe and your long-term goals should all be taken into account.

Yes. Yovich & Co provides KiwiSaver advice to clients across Whangārei, Northland and wider New Zealand.

For clients in Northland, one of the key benefits is the ability to speak face to face with a Northland-based Financial Adviser who understands the local community and the financial decisions many local families, business owners, farmers and professionals are balancing.

Our advice considers your KiwiSaver alongside your broader financial position, including property, mortgage commitments, business interests, farming assets, cashflow and retirement goals.

This helps ensure your KiwiSaver strategy is practical, personalised and aligned with your long-term plans, with advice and support available from a local team you can talk to directly.