KiwiSaver
Is your KiwiSaver set up for where you are going?For many New Zealanders, KiwiSaver will become one of their largest investments. Yet it is easy to stay in a fund chosen years ago – or one that was never actively chosen at all.
Make an informed choice
The right KiwiSaver approach depends on more than recent performance. Your age, goals, timeframe, contribution decisions and comfort with market ups and downs all matter. So does whether you are building a first-home deposit, preparing for retirement or moving from one stage of life to another.Understand your KiwiSaver
We look at your current provider, fund type and settings along with contribution decisions to see how it all lines up.Choose with confidence
We make a personalised recommendation based on your goals and explain why it suits you.
Your review can cover
Your goal and expected investment timeframe
The level of risk you are comfortable with and able to take
Fund type, investment approach, fees and responsible investment preferences
Contribution settings and how KiwiSaver fits with other savings
First-home or retirement planning considerations
How your current fund compares with suitable alternatives
Advice that moves with you
Choosing a fund is not a set-and-forget decision. Careers change, retirement gets closer and markets move. Regular reviews can help keep your KiwiSaver aligned with your wider financial plan instead of letting yesterday’s choice shape tomorrow’s outcome.We keep the conversation clear, practical and focused on your goals – not on chasing last year’s best return.
FAQ
Answers to common questions about KiwiSaver.- The right KiwiSaver fund depends on your goals, timeframe, comfort with market movements and preferences such as responsible investing. Someone buying a first home soon may need a different level of risk from someone decades from retirement, so we assess your circumstances before recommending a fund.KiwiSaver funds invest in combinations of growth assets, including shares and property, and lower-risk assets, including bonds and cash. A longer timeframe may support greater exposure to market movements, while money intended for a first-home purchase soon may require a more defensive approach. We assess your willingness to accept volatility and your financial ability to cope with losses. We also compare investment strategy, diversification, fees, provider service and responsible-investment preferences. The recommended fund should support your intended outcome without exposing your savings to more uncertainty than your circumstances and timeframe can accommodate.
- We start with your goal and work backwards. We can project where your current balance, contribution rate and timeframe may take you, then assess whether changing your contributions could improve the outcome without putting unreasonable pressure on your everyday cashflow.Whether your contributions are sufficient depends on the amount you want to build, when you need it and possible investment returns. We project your balance using your contribution rate, timeframe and reasonable assumptions, then compare the result with your goal. We can also consider employer and government contributions, income changes and competing priorities such as debt or emergency savings. If appropriate, we identify a sustainable contribution level that supports progress without placing excessive pressure on your lifestyle, goals and cashflow.
- If you meet the eligibility requirements, you may be able to withdraw most of your KiwiSaver savings to help buy your first home. We help you consider how much to withdraw, application timing, provider requirements and whether your fund’s risk level remains appropriate as your intended purchase approaches.A first-home withdrawal can provide a contribution towards your deposit, but the amount available and application process depend on the eligibility rules and your provider’s requirements. We help you confirm the steps and allow enough time for documents and processing before settlement. Rather than withdrawing the maximum, we consider your deposit, mortgage needs, remaining savings and longer-term retirement plans. Your investment risk may also need to reduce as the purchase approaches, because a market fall could affect money needed soon. Any amount retained in KiwiSaver can continue supporting your retirement, subject to the scheme’s withdrawal restrictions.