OnTrack with Milford

Milford on Coast: 29 April 2026

29 Apr 2026

Contributed by Lukas

Money is emotional Our behaviours can affect the decisions we make with our money.  Milford General Manager Wealth Management and Advice, Phil Morgan...

Milford on Coast: 14 April 2026

14 Apr 2026

Contributed by Lukas

Markets are down, but there are good reasons to be optimistic. Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about why volatile p...

Milford on The Hits: 25 Mar 2026

25 Mar 2026

Contributed by Lukas

Government changes to KiwiSaver are about to come into effect on 1 April 2026. Milford Investor Services Associate Maddie Cruickshank talks through th...

Milford on Coast: 11 March 2026

11 Mar 2026

Contributed by Lukas

Why is it important that more women understanding investing?  Milford Financial Adviser Jess Travers talks to Toni, Jase and Sam on Coast, about the ...

Milford on ZM: 11 March 2026

11 Mar 2026

Contributed by Lukas

What are some of the ways to navigate market volatility? Investor Services Senior Associate, Maddie Cruickshank talks through some key points with Bre...

Milford on ZM: 18 Feb 2026

18 Feb 2026

Contributed by Lukas

Imagine, organise, plan, track and enjoy. Milford Financial Adviser Liam Robertson shares his top tips for setting financial goals, with Bree and Clin...

Milford on The Hits: 18 Feb 2026

18 Feb 2026

Contributed by Lukas

Morningstar survey data released recently shows that KiwiSaver funds grew by $5b in the last three months of 2025 – that’s almost $145b saved. Mil...

Milford on Coast: 11 Feb 2026

10 Feb 2026

Contributed by Lukas

Is it time for a spring clean of your finances?  Milford Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about why now is a good t...

Milford on The Hits: 3 Dec 2025

03 Dec 2025

Contributed by Lukas

The week between Christmas and New Year is a great time to think about wellbeing and financial goals for the year ahead. Milford Senior KiwiSaver Fina...

Milford on Coast: 12 Nov 2025

12 Nov 2025

Contributed by Lukas

Greed and fear are often two of the most common mistakes investors make. Milford Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, ab...

Milford on ZM: 5 Nov 2025

05 Nov 2025

Contributed by Lukas

How can you avoid a Christmas over-spend? Milford Senior KiwiSaver Financial Adviser Liam Robertson shares some ideas on how to reduce spending with B...

Milford on The Hits: 5 Nov 2025

05 Nov 2025

Contributed by Lukas

Christmas is an expensive time, so what’s the best way to stay within, or even under budget? Milford Senior KiwiSaver Financial Adviser Liam Roberts...

Milford on ZM: 29 Oct 2025

28 Oct 2025

Contributed by Lukas

There are three key things to consider for your KiwiSaver, as we head into the end of the year. Investor Services Senior Associate, Maddie Cruickshank...

Milford on Coast: 29 Oct 2025

28 Oct 2025

Contributed by Lukas

Would you put your KiwiSaver on term deposit? Milford Financial Adviser Nicky Reid talks to Toni, Jase and Sam on Coast, about the differences betwee...

Milford on The Hits: 22 Oct 2025

22 Oct 2025

Contributed by Lukas

The holidays are just around the corner, so it’s the perfect time to take stock of everything around you, including your KiwiSaver. Milford Investor...

Milford on Coast: 15 Sept 2025

14 Oct 2025

Contributed by Lukas

With the recent 50 basis points cut to the OCR, what could this mean for your household finances? Milford Financial Adviser Nicky Reid talks to Toni, ...

Milford on The Hits: 8 Oct 2025

07 Oct 2025

Contributed by Lukas

Planning for retirement isn’t high on the list for most young people entering the workforce. Head of KiwiSaver at Milford, Murray Harris, talks to P...

Milford on Coast: 17 Sept 2025

17 Sep 2025

Contributed by Lukas

Emotions play a big part in our decision making – especially when it comes to finances. It even has an official term – Behavioural Economics. Head...

Milford on ZM: 17 Sept 2025

17 Sep 2025

Contributed by Lukas

Is it a good idea to have an investment fund alongside your KiwiSaver? What’s the difference between the two?  Milford Senior KiwiSaver Financial A...

Milford on The Hits: 10 Sep 2025

10 Sep 2025

Contributed by Lukas

If you have KiwiSaver, a “side-car investment” could provide some added flexibility into your savings plan. Senior KiwiSaver Financial Adviser at ...

Milford on Coast: 3 Sept 2025

03 Sep 2025

Contributed by Lukas

Are you an AI optimist? Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on Coast, about the positive benefits of AI, and also touc...

Milford on ZM: 3 Sept 2025

03 Sep 2025

Contributed by Lukas

What’s the process if you want to withdraw funds from your KiwiSaver to help with a first-home deposit? Investor Services Senior Associate Maddie Cr...

Milford on The Hits: 27 Aug 2025

27 Aug 2025

Contributed by Lukas

An increasing number of people are buying their first home – and using their KiwiSaver to help build their deposit. Maddie Cruickshank from Milford ...

Milford on ZM: 20 August 2025

20 Aug 2025

Contributed by Lukas

What’s the difference between a managed fund and a DIY investing approach? Milford Financial Adviser Jess Travers talks through the variations with ...

Milford on Coast: 20 Aug 2025

20 Aug 2025

Contributed by Lukas

What exactly is a Bull market and what should you be aware of in a Bear market? Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on...

Milford on The Hits: 13 Aug 2025

12 Aug 2025

Contributed by Lukas

What’s the difference between DIY investing vs Managed Funds? Financial Adviser at Milford, Jess Travers, talks to PJ and Matty from The Hits about ...

Milford on Coast: 6 Aug 2025

06 Aug 2025

Contributed by Lukas

If you’re new to investing, how do you know where to start? Milford Financial Adviser Jess Travers talks to Toni, Jase and Sam on Coast, about the d...

Milford on The Hits: 30 July 2025

30 Jul 2025

Contributed by Lukas

How easy is it to open an investment fund? Milford Senior Associate Maddie Cruickshank walks  PJ and Matty from The Hits through the simple process, ...

Milford on Coast: 23 July 2025

24 Jul 2025

Contributed by Lukas

With global volatility continuing, when is a good time to invest? Milford Financial Adviser Jess Travers talks to Toni, Jase and Sam on Coast about st...

Milford on ZM: 23 July 2025

22 Jul 2025

Contributed by Lukas

The Reserve Bank has kept the OCR at 3.25%. Milford Senior KiwiSaver Financial Adviser Liam Robertson chats to Bree and Clint from ZM about why and wh...

Milford on The Hits: 17 July 2025

16 Jul 2025

Contributed by Lukas

After six back-to-back cuts, the Reserve Bank has held the Official Cash Rate at 3.25%  Liam Robertson, Senior KiwiSaver Financial Adviser at Milford...

Milford on ZM: 25 June 2025

25 Jun 2025

Contributed by Lukas

What do the new KiwiSaver changes mean for you? Milford Senior KiwiSaver Financial Adviser Liam Robertson, shares some key numbers with Bree and Clint...

Milford on The Hits: 18 June 2025

18 Jun 2025

Contributed by Lukas

What’s the best way to start teaching your children about money? Milford Senior KiwiSaver Financial Adviser, Liam Robertson, talks to PJ and Matty f...

Milford on Coast: 18 June 2025

18 Jun 2025

Contributed by Lukas

Term deposits or investment funds? Milford Financial Adviser Gareth Stythe talks to Toni, Jase and Sam on Coast, about what you should consider when r...

Milford on ZM: 11 June 2025

11 Jun 2025

Contributed by Lukas

Things are looking up for young KiwiSaver investors, thanks to changes in the government’s recent budget. Milford Senior KiwiSaver Financial Adviser...

Milford on Coast: 4 June 2025

04 Jun 2025

Contributed by Lukas

Are you starting to panic over global conflict and how it could affect your investments? Milford Financial Adviser Gareth Stythe talks to Toni, Jase a...

Milford on The Hits: 4 June 2025

03 Jun 2025

Contributed by Lukas

Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks to PJ and Matty from The Hits about three key changes to KiwiSaver which were ann...

Milford on ZM: 28 May 2025

28 May 2025

Contributed by Lukas

It’s not too late to receive the $521 Government KiwiSaver contribution – but you need to be quick. Head of KiwiSaver at Milford, Murray Harris, t...

Milford on The Hits: 21 May 2025

20 May 2025

Contributed by Lukas

Are you on track to receive the full KiwiSaver government contribution?  Head of KiwiSaver at Milford, Murray Harris, talks to PJ and Matty from The ...

Milford on ZM: 14 May 2025

14 May 2025

Contributed by Lukas

Did your KiwiSaver balance dip through the April market volatility? Head of KiwiSaver at Milford, Murray Harris, talks to Bree and Clint from ZM about...

Milford on The Hits: 7 May 2025

07 May 2025

Contributed by Lukas

Are you worried about your KiwiSaver balance with all the uncertainty in the world? Head of KiwiSaver at Milford, Murray Harris, talks to Bree and Cli...

Milford on Coast: 7 May 2025

07 May 2025

Contributed by Lukas

Research has shown that women retire on average with 25% less money than men. Milford Financial Adviser Nicky Reid explains the reasons why to Toni, J...

Milford on Coast: 30Apr 2025

30 Apr 2025

Contributed by Lukas

Do you need significant wealth to start investing? Milford Financial Adviser Nicky Reid debunks with myths with Toni, Jase and Sam on Coast.

Milford on Coast: 23 Apr 2025

23 Apr 2025

Contributed by Lukas

So, you’ve retired – what now? Milford’s Head of Wealth Management, Philip Morgan Rees, talks with Toni, Jase and Sam on Coast, about why a reti...

Milford on Coast: 16 Apr 2025

16 Apr 2025

Contributed by Lukas

How can you make your money work for you when markets are volatile? Milford’s Head of Wealth Management, Philip Morgan Rees, talks with Toni, Jase a...

Milford on Coast: 9 Apr 2025

08 Apr 2025

Contributed by Lukas

Diversification is something everybody recommends – but what exactly does it mean or look like?  Financial Adviser Jess Travers talks with Toni, Ja...

Milford on Coast: 2 Apr 2025

02 Apr 2025

Contributed by Lukas

Investing can seem daunting from the outside but, as Financial Adviser Jess Travers explains, it’s easy to get started, and you don’t need much. S...

Milford on ZM: 27 Mar 2025

27 Mar 2025

Contributed by Lukas

Need some top money tips for your 20s? Senior KiwiSaver Adviser Liam Robertson talks to Bree and Clint from ZM about what you can do to set yourself u...

Milford on Coast: 27 Mar 2025

27 Mar 2025

Contributed by Lukas

What’s the best way to cut down credit card use? Milford Financial Adviser Gareth Stythe shares some tools with Toni, Jase and Sam on Coast, to help...

Milford on The Hits: 27 Mar 2025

27 Mar 2025

Contributed by Lukas

If you’re in your 20s, Milford Senior KiwiSaver Adviser Liam Robertson has some great tips for getting on the path to financial security. He talks t...

Milford on ZM: 19 Mar 2025

19 Mar 2025

Contributed by Lukas

The average KiwiSaver balance has risen to $37,000 (up $5,000) over the past year, according to stats released by the Retirement Commission. Milford S...

Milford on The Hits: 19 Mar 2025

19 Mar 2025

Contributed by Lukas

How would your KiwiSaver balance change at 65, if minimum contribution rates were raised from 3% to 4%, and matched by your employer? Milford Senior K...

Milford on Coast: 19 Mar 2025

19 Mar 2025

Contributed by Lukas

If you have money invested, sell-offs are a part of the process, but are they are a reason to make changes to your investment? Milford Financial Advis...

Milford on ZM: 12 Mar 2025

11 Mar 2025

Contributed by Lukas

Most people would like a “choices” retirement rather than “no frills” – but is that achievable? Milford Senior KiwiSaver Adviser Liam Robert...

Milford on The Hits: 12 Mar 2025

11 Mar 2025

Contributed by Lukas

Massey University’s annual retirement report shows that couples in metro areas will need $1,740 per week to live a “choices” retirement once the...

Milford on Coast: 12 Mar 2025

11 Mar 2025

Contributed by Lukas

We’re a DIY nation, but sometimes we need expert advice – especially when it comes to finances and investments. Milford Financial Adviser Nicky Re...

Milford on The Hits: 5 Mar 2025

05 Mar 2025

Contributed by Lukas

Research has shown that overall wellbeing is closely linked to financial wellbeing. So, how can you check if you’re on track to reach your financial...

Milford on Coast: 5 Mar 2025

05 Mar 2025

Contributed by Lukas

What are some of the things you need to consider when setting financial goals – and why are goals important? Milford Financial Adviser Nicky Reid ex...

Milford on ZM: 5 Mar 2025

05 Mar 2025

Contributed by Lukas

What does digital advice involve? Head of KiwiSaver at Milford, Murray Harris, gives Bree and Clint from ZM some guidance on accessing free digital ad...

Milford on ZM: 26 Feb 2025

26 Feb 2025

Contributed by Lukas

What are the key questions when choosing a KiwiSaver provider?  Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, gives Bree and Clint f...

Milford on The Hits: 26 Feb 2025

26 Feb 2025

Contributed by Lukas

How can you make your money work harder? Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, talks to PJ and Matty from The Hits making act...

Milford on Coast: 26 Feb 2025

26 Feb 2025

Contributed by Lukas

Accumulation, pre-retirement and retirement are different stages of life, with unique goals. Milford’s Head of Wealth Management, Phil Morgan Rees, ...

Milford on ZM: 19 Feb 2025

19 Feb 2025

Contributed by Lukas

Head of KiwiSaver at Milford, Murray Harris, gives Bree and Clint from ZM some guidance on setting up an investment fund alongside your KiwiSaver – ...

Milford on The Hits: 19 Feb 2025

19 Feb 2025

Contributed by Lukas

KiwiSaver is great if you’re saving for your first home or retirement, but is it the best option for young children? Head of KiwiSaver at Milford, M...

Milford on The Coast: 19 Feb 2025

19 Feb 2025

Contributed by Lukas

What’s the benefit of an investment fund over a term deposit? Milford’s Head of Wealth Management, Phil Morgan Rees, chats with Toni, Jase and Sam...

Milford on The Hits: 12 Feb 2025

12 Feb 2025

Contributed by Lukas

Making and sticking with financial resolutions can have a positive long-term effect on financial wellbeing – including having a ‘choices’ retire...

Milford on The Coast: 12 Feb 2025

12 Feb 2025

Contributed by Lukas

With all the global changes already in 2025, how do you know when it’s a good time to invest? Milford Financial Adviser Jess Travers chats with Toni...

Milford on ZM: 12 Feb 2025

12 Feb 2025

Contributed by Lukas

What sort of information do you need when researching KiwiSaver providers? Head of KiwiSaver at Milford, Murray Harris, gives Bree and Clint from ZM s...

Milford on ZM: 5 Feb 2025

05 Feb 2025

Contributed by Lukas

New Year’s resolutions aren’t always easy to achieve, but Head of KiwiSaver at Milford, Murray Harris, gives Bree and Clint from ZM one goal they ...

Milford on The Hits: 5 Feb 2025

04 Feb 2025

Contributed by Lukas

Out of all the resolutions you’ve made for 2025, how many have already been broken? Head of KiwiSaver at Milford, Murray Harris, talks to PJ and Mat...

Milford on The Coast: 5 Feb 2025

04 Feb 2025

Contributed by Lukas

Taking check of your finances, investments and progress against goals once a year is helpful to fully understand your financial situation. Milford Fin...

Milford on ZM: 4 December 2024

04 Dec 2024

Contributed by Lukas

It’s time to set your 2025 resolutions! Murray Harris, Head of KiwiSaver at Milford, joins Bree and Clint from ZM to talk about the importance of in...

Milford on The Hits: 4 December 2024

04 Dec 2024

Contributed by Lukas

Christmas can be an expensive time of year, and Head of KiwiSaver Murray Harris shares practical tips with PJ and Matty from The Hits for managing the...

Milford on The Coast: 4 December 2024

04 Dec 2024

Contributed by Lukas

As 2025 approaches, Milford Financial Adviser Gareth Stythe joins Toni, Jase, and Sam on The Coast to discuss how the holiday break is the perfect tim...

Milford on The Coast: 27 November 2024

27 Nov 2024

Contributed by Lukas

What does the OCR cut mean for your mortgage? Milford Financial Adviser Gareth Stythe chats with Toni, Jase and Sam on The Coast about ways to make th...

Milford on The Hits: 27 November 2024

27 Nov 2024

Contributed by Lukas

You can’t take it with you, so what happens to your KiwiSaver money when you die? Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, tal...

Milford on ZM: 27 November 2024

27 Nov 2024

Contributed by Lukas

Does the government take your KiwiSaver money when you die? KiwiSaver Financial Adviser at Milford, Liam Robertson, gives Bree and Clint from ZM a run...

Milford on The Coast: 20 November 2024

20 Nov 2024

Contributed by Lukas

Financial risk is normally associated with losing money, but what about the risk of not taking enough risk? Milford Financial Adviser Jessica Travers ...

Milford on ZM: 20 November 2024

20 Nov 2024

Contributed by Lukas

The word diversification is thrown around a lot in financial circles – but what does it actually mean? KiwiSaver Financial Adviser at Milford, Liam ...

Milford on The Hits: 20 November 2024

20 Nov 2024

Contributed by Lukas

Diversification can be simply explained as not putting all your eggs in one basket – but what does that actually mean in practical terms? Senior Kiw...

Milford on The Hits: 13 November 2024

13 Nov 2024

Contributed by Lukas

A common question people ask is, "Which KiwiSaver fund is right for me?" Milford's Senior KiwiSaver Financial Adviser, Liam Robertson, joined PJ and M...

Milford on ZM: 13 November 2024

13 Nov 2024

Contributed by Lukas

Milford's Senior KiwiSaver Financial Adviser, Liam Robertson, joined Bree and Clint on ZM to tackle a common question: "Which KiwiSaver fund is right ...

Milford on The Coast: 13 November 2024

13 Nov 2024

Contributed by Lukas

Entering your 40s often means a shift in life priorities, and with that comes new financial considerations. Milford Financial Adviser Jessica Travers ...

Milford on The Coast: 6 November 2024

06 Nov 2024

Contributed by Lukas

Moving into your 30s, your earning potential likely increases, along with life expenses. Milford Financial Adviser Nicky Reid chats with Toni, Jase an...

Milford on ZM: 6 November 2024

06 Nov 2024

Contributed by Lukas

$500m of government contributions to KiwiSaver were missed out on last year, because people didn’t contribute enough to meet the threshold. Senior K...

Milford on The Hits: 6 November 2024

06 Nov 2024

Contributed by Lukas

Did you know you’re not alone when it comes to building up your KiwiSaver balance? Senior KiwiSaver Financial Adviser at Milford, Liam Robertson, ta...

Milford on The Hits: 30 October 2024

30 Oct 2024

Contributed by Lukas

Are you afraid of risk when it comes to investing? Head of KiwiSaver at Milford, Murray Harris, talks with PJ and Matty from The Hits about how risk c...

Milford on ZM: 30 October 2024

30 Oct 2024

Contributed by Lukas

Milford was in Hamilton this week for our Kickstart your KiwiSaver breakfast! Head of KiwiSaver at Milford, Murray Harris, talks with Bree and Clint f...

Milford on The Coast: 30 October 2024

30 Oct 2024

Contributed by Lukas

Investing can look very different in your 20s than it does in your 50s. Milford Financial Adviser Nicky Reid chats with Toni, Jase and Sam on The Coas...

Milford on ZM: 23 October 2024

23 Oct 2024

Contributed by Lukas

Milford is heading to Hamilton! If you fancy a free brekkie while you learn more about KiwiSaver, head to the Hamilton Innovation Park at 7.30am Wedne...

Milford on The Hits: 23 October 2024

23 Oct 2024

Contributed by Lukas

There are two important levers you can control that will have an impact on your KiwiSaver balance at 65. Head of KiwiSaver at Milford, Murray Harris, ...

Milford on The Coast: 23 October 2024

23 Oct 2024

Contributed by Lukas

How do you decide on fund suitability as you get older? What’s right for you? Milford Financial Adviser Gareth Stythe chats with Toni, Jase and Sam ...

Milford on ZM: 16 October 2024

16 Oct 2024

Contributed by Lukas

The average withdrawal from a KiwiSaver fund to purchase a first home is $35,000.  Head of KiwiSaver at Milford, Murray Harris, talks with Bree and C...

Milford on The Hits: 16 October 2024

16 Oct 2024

Contributed by Lukas

Fund choice can make a difference if you’re planning to use your KiwiSaver for a first-home deposit. Head of KiwiSaver at Milford, Murray Harris, ta...

Milford on The Coast: 16 October 2024

16 Oct 2024

Contributed by Lukas

DIY investing vs managed funds. Milford Financial Adviser Gareth Stythe chats with Toni, Jase and Sam on The Coast about the benefits of investing in ...

Milford on The Coast: 9 October 2024

09 Oct 2024

Contributed by Lukas

You’ve received a substantial inheritance from a loved one – so what should you do next? Milford Financial Adviser Nicky Reid chats with Toni, Jas...

Milford on The Hits: 9 October 2024

09 Oct 2024

Contributed by Lukas

Recent data shows $1.2bn was withdrawn from KiwiSaver by first-home purchasers over the past year. Head of KiwiSaver at Milford, Murray Harris, talks ...

Milford on ZM: 9 October 2024

09 Oct 2024

Contributed by Lukas

Milford is on the move! Our KiwiSaver team has hit the road this week, holding KickStart your KiwiSaver events around the country. Head of KiwiSaver a...

Milford on ZM: 2 October 2024

02 Oct 2024

Contributed by Lukas

Should we consider a DIY approach to investing? KiwiSaver Adviser at Milford, Liam Robertson, talks through the pros and cons with Bree and Clint from...

Milford on The Coast: 2 October 2024

02 Oct 2024

Contributed by Lukas

With the US election on the horizon, should we be worried about our investments? Financial Adviser Nicky Reid chats with Toni, Jase and Sam on The Coa...