CRV Decision Report · model any NZ village

Decision-Pack intake form

The analytical report an adviser produces with the CRV Decision Service. Choose up to three NZ retirement villages below — contract terms come from each village's filed Disclosure Statement — then fill in the client scenario and the report builds with full cost-of-tenure modelling. Every figure cites its source.

Villages to model

Defaults are the three curated East Auckland sample villages. Swap any column for any of the 220 NZ villages with contract terms extracted from their filed Disclosure Statement — the cost model then runs on that village's actual DMF schedule, capital-gain split and fee-escalation basis. Entry prices for swapped villages are illustrative (Disclosure Statements don't list unit prices) — adjust via the intake below.

Village 1

Village 2

Village 3

Client first name

Last name

Age (at entry)

Living situation

SingleCouple

Preferred unit type

Each village's matching unit type is used in the calculation. If a village doesn't offer that exact type, the closest equivalent is chosen and noted in the report.

Expected tenure: 10 years

Stats NZ life-expectancy benchmark: a 78-yr-old female has ~12 years remaining; a couple has a higher joint horizon

Weekly-fee inflation assumption: 3.0%

RBNZ target band midpoint = 3.0%; historical RV sector has averaged 3-4%

Capital appreciation assumption: 3.0%

Long-term NZ housing trend ≈ 3%; demo also models flat and downturn scenarios

Client expects transfer to higher care during tenure

Cashflow projection inputs

NZ Super qualifying situation

Single, living alone$27,800/yrSingle, sharing$25,700/yrCouple (both qualify)$42,800/yr combined

Current Work and Income rates, post-tax M code (src/lib/nz-tax-rates, reviewed June 2026). NZ Super is universal at 65 with no asset test.

Liquid investments after entry fee

KiwiSaver + term deposits + shares + cash after paying the entry fee. e.g. $500k = home-sale proceeds left over.

Annual personal expenses

Outside village weekly fees: food, utilities, healthcare, transport, leisure. Typical NZ retiree $20–40k.

Expected investment return: 4.0%/yr

Real (after-inflation) return. Conservative balanced portfolio ≈ 3–5%; equity-heavy ≈ 5–7%; cash/term deposits ≈ 1–2%.

Current home value (for stay-vs-move + reverse mortgage)

Used to compare staying-in-home alternatives + as collateral if modelling a reverse mortgage instead of selling the home.

Anticipated care level on transfer

Used in the DHB-subsidy means-test analysis section.

Investments mostly PIE funds (KiwiSaver, managed funds) — taxed at PIR rate (capped 28%)

Include default NZ retiree insurance costs ($4,280/yr) in personal expenses

Compliance: analytical scaffolding only. Not financial advice. The recommendation belongs to the licensed adviser.