Term Deposits vs Bond Funds: Which Pays Better?
Looking for a safe way to grow your hard-earned cash? With interest rates easing in 2026, many Kiwis are weighing up term deposits vs bonds NZ to see...
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Sarah Mitchell
Senior Finance Writer
333
Articles
Sarah covers personal finance, tax, and KiwiSaver topics for Lifetimes NZ. She focuses on making money management straightforward and practical for everyday Kiwis.
Expertise & Credentials
I write to help New Zealanders make confident financial decisions with clear, accurate information.
Areas of Expertise
Personal Finance
Tax
KiwiSaver
Budgeting
Insurance
Articles by Sarah Mitchell
333 articles published
Categories:
Money & Finance (192)
KiwiSaver & Retirement (11)
KiwiSaver Basics and Fund Selection (2)
Best Savings Accounts NZ 2025 (1)
How to Budget in NZ (1)
First-Home Buyer's Mortgage Guide (2)
Best Car Insurance NZ 2025 (1)
Family & Benefits (1)
Immigration & Moving (1)
Taxes Explained (7)
Trip Planning (1)
KiwiSaver Withdrawal for First Home (1)
Banking & Savings (7)
AEWV (1)
Term Deposits vs Bonds (1)
Managing Debt & Credit (1)
Home and Contents Insurance Guide (1)
Minimum Wage (1)
Legal Matters (8)
Pet Insurance (2)
Wildlife Wonders & Records (2)
Budget 2025 KiwiSaver Changes (1)
Personal Finance & Budgeting (14)
Cost of Living by City (3)
How Much Can I Borrow (1)
Life Insurance for Families (1)
Tax (1)
Business Setup (1)
Property Investment (1)
Salary Data (1)
NZ Superannuation & Retirement (1)
Business Loans (1)
Practical FAQs (2)
KiwiSaver vs Other Retirement Options (2)
Emergency Fund Setup Guide (1)
Tax Planning for Freelancers (1)
Investing 101 (12)
Fixed vs Floating Rates Explained (1)
Cost of Living (1)
Income Protection Insurance (1)
Visa Compliance (1)
Mortgages & Home Loans (8)
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Best High-Interest Savings Accounts in NZ (2025 Comparison)
If you're serious about making your money work harder, choosing the right savings account can make a real difference to your financial future. With in...
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Living Overseas with KiwiSaver: Repayment Rules Explained
Imagine packing up your life in Aotearoa for an exciting adventure abroad—maybe chasing job opportunities in London, family ties in the UK, or a fresh...
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KiwiSaver vs. Investing: Which Should You Prioritize?
Imagine doubling your money every payday without lifting a finger—that's the magic of KiwiSaver's employer match. But what if you could access your ca...
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Employer KiwiSaver Match: Don't Leave Free Money on the Table
Your employer's KiwiSaver contribution might be the easiest money you'll ever earn – yet many New Zealanders don't fully understand how it works or ho...
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KiwiSaver Withdrawal Strategy: Should You Access Your Money Early?
Imagine staring down a stack of overdue bills or dreaming of that first home deposit, with your KiwiSaver balance looking like a lifeline. But is dipp...
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Using KiwiSaver for Your First Home: The Full Process
Imagine standing in front of your dream home, keys in hand, knowing you've used every tool available to make it yours. For many Kiwis, KiwiSaver first...
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How Much Will You Have at Retirement? KiwiSaver Projection Guide
Ever wondered if your KiwiSaver balance will stretch to a comfortable retirement? With contribution rates rising to 4% by 2028 and markets shifting, i...
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KiwiSaver Fund Types Explained: Conservative vs Growth
Ever wondered why your KiwiSaver balance swings wildly one year and barely budges the next? It's all down to the KiwiSaver fund type you've chosen – a...
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