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Episode 5: KiwiSaver Behaviour with Tom Hartmann

In this episode of Retire Well, Jim Smith and Martin Fox are joined by Tom Hartmann to discuss KiwiSaver fund selection and how small financial decisions today can shape your future retirement. Tom is a personal finance lead and the driving force behind tools many Kiwis already use, including Sorted, the KiwiSaver Fund Finder, and the Retirement Navigator. Together, they unpack how relatively simple decisions, made consistently over time, can lead to very different retirement outcomes.
 

 Coming up in this conversation, Tom Hartmann shares:

  • How KiwiSaver fits into New Zealand’s retirement income system
  • Why being in the right fund matters more than chasing returns
  • The four key KiwiSaver fund criteria: risk, fees, services, and performance 
  • Behavioural traps, and the idea of a “future us”, and thinking long-term
  • How tools like Sorted can help people get started and have better conversations 

 

This episode looks beyond saving to spending KiwiSaver in retirement, including new thinking around drawdowns, managing income over time, and planning for different stages of retirement. Jim and Martin bring the discussion back to what matter most: staying in the right fund, sticking with a plan, and not overreacting – often the hardest part of investing.

    Based in Christchurch, Jim and Martin offer independent advice on healthy living, financial wellbeing, and retirement planning. The Retire Well Podcast is available to listen on Spotify, YouTube, ApplePodcast and more!

    For more information on retirement planning, check out their blog page, insights and updates, or latest posts on LinkedIn and Facebook. You can also request the first chapter of the Retire Well book for free using the links below. 

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