The Real Cost of Doing Nothing

When life is busy, it’s easy to put financial planning in the “someday” basket. After all, sorting insurance, KiwiSaver or updating your Will doesn’t exactly compete with more urgent day-to-day tasks. But here’s the truth: doing nothing is still a decision - and it can be one of the most expensive ones you’ll ever make.

💸 The cost isn’t just financial - it’s personal

When an unexpected event happens - illness, injury, or loss of income - your options narrow quickly if you don’t have the right plans in place. Without adequate insurance, savings or estate planning, your loved ones may be left carrying a financial burden on top of an already stressful situation.

For example, if a major health event occurs and you don’t have cover, you could face long public wait times, lost income, and out-of-pocket expenses that can quickly spiral. What could have been a manageable setback becomes a financial strain.

🏡 Lost opportunities add up over time

It’s not only about risk - it’s also about missed opportunity. When you delay contributing to or reviewing your KiwiSaver, you’re potentially leaving free employer contributions, government contributions, and compound growth on the table.

A small change today - like adjusting your fund type or contribution rate - can have a big impact over time. Doing nothing means your future self might have less choice, flexibility and security.

📝 Life changes… but your plans might not

Many people take out insurance or set up a Will once - and never look at it again. But life doesn’t stand still. New jobs, growing families, buying a home, or starting a business can all change what you need to protect. If your financial safety net hasn’t kept up, it may not be there when you need it most.

💬 It costs nothing to have a conversation

The good news? Getting started doesn’t need to be overwhelming. A simple review can highlight any gaps or opportunities and help give you peace of mind. Whether it’s checking your insurance is still fit for purpose, reviewing your KiwiSaver strategy, or making sure your Will is up to date - a conversation today can make all the difference tomorrow.

🌱 Your future is worth protecting

We can’t control everything life throws our way. But we can prepare. Taking action now — even small steps — can help protect your financial wellbeing and give you and your loved ones greater security.

If you’ve been meaning to review your insurance, KiwiSaver, or estate planning but keep putting it off, now is the perfect time to start.

👉 Let’s make sure “doing nothing” doesn’t end up costing you more than you think.

🤝 Talk to Us Today!

At New Vision, we make it easy to take that first step. Whether you want to review your current cover, make sure your KiwiSaver is on track, or simply get clarity on your options, we’re here to help.

A conversation today could make all the difference tomorrow.

📅 Book your complimentary review and let’s build a plan that protects what matters most to you.

Nimalka Perera
Business Development Manager
New Vision Financial Services

Plan your future and let us help you have peace of mind along the way.