Plan Your NZ Retirement The Right Way: Liquidity First, Returns Second

Описание: Tony Walker has spent decades as a financial adviser helping Kiwis navigate one of the biggest transitions in their financial lives, retirement.

In this conversation, we dive deep into the practical realities of retirement planning that most people never think about until it's too late.

Tony breaks down:
Why liquidity matters more than returns when you're retired
The emotional challenge of switching from saving money to spending it
Why most retirees only need one investment pot (not three or four)
How to calculate what you'll actually need in retirement
The revolving credit strategy that beats term deposits
Why choosing the right financial adviser is like choosing a 20-year marriage partner
The difference between real returns and nominal returns (inflation matters)

This isn't your typical retirement planning chat full of jargon and theory. Tony gives practical, real-world advice from someone who's guided hundreds of Kiwis through this transition.

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Disclaimer: Please act independently from any content provided in these episodes; it's not financial advice, because there's no accounting for your individual circumstances. Do your own research, and take a broad range of opinions into account. Ideally, engage a financial adviser / pay for advice!