Many New Zealanders are working hard to build better financial futures — setting goals, saving, and paying down debt. But according to new research released by the Financial Markets Authority (FMA), there’s often a disconnect between our financial intentions and our everyday decisions.
The FMA’s May 2025 report, Good Cents: Kiwis on Savings and Debt, reveals that while a growing number of people are taking steps to improve their financial wellbeing, “stated financial goals don't always match investment behaviours, or understanding of key financial concepts. There is a disconnect between preferences and investment choices.”
In other words, we might say we want higher returns but not always take the steps needed to get there. For example, the research found that nearly half of respondents said achieving high returns was a top priority. Yet very few are investing in growth-focused options like shares or managed funds that have the potential to deliver those returns over time.
So why the gap?
Part of the answer may lie in confidence and comfort levels. While two-thirds of New Zealanders say they’re open to receiving financial guidance, 42% feel uncomfortable talking about their finances. That discomfort can be particularly noticeable among younger people, who are often still developing their financial knowledge and confidence.
These findings highlight something many financial advisers already know: it’s not always easy to ask for help, especially when it comes to money. But that’s exactly where good advice can make a real difference.
The role of financial advisers
Working with a financial adviser can help bridge the gap between what you want to achieve and the day-to-day decisions that will get you there. Whether it’s choosing the right investment path, building a plan to reduce debt, or simply understanding what your options are, advisers can offer guidance tailored to your goals and stage of life.
Just as importantly, they can create a space where it’s okay to ask questions — no matter how basic or complex they seem. Finances are personal, and there’s no one-size-fits-all solution. What matters is having someone you trust to walk alongside you and help bring your goals into focus.
The bottom line?
Most of us are trying to do the right thing. But even with the best intentions, it’s easy to feel unsure, or to delay taking action because we don’t know where to start. A financial adviser can help you make sense of it all and give you the clarity and confidence to take the next step forward.
Disclaimer: Please note that the content provided in this article is intended as an overview and as general information only. While care is taken to ensure accuracy and reliability, the information provided is subject to continuous change and may not reflect current developments or address your situation. Before making any decisions based on the information provided in this article, please use your discretion and seek independent guidance.
