Starting out
Build good savings habits, understand risk and make first-home goals part of the fund decision.
KiwiSaver advice
Make your KiwiSaver work harder
Your goals, life stage and timeframe change. Your KiwiSaver strategy should evolve too.
Why KiwiSaver matters
KiwiSaver, an investment like no other
We help New Zealanders get the most out of their KiwiSaver through specialist advice on providers and investment strategies.
3.5% minimum
Employer contributions
Eligible employees receive compulsory employer contributions of at least 3.5% of gross salary or wages, less employer superannuation contribution tax.
Up to $260.72/year
Government contribution
Eligible members aged 16 to 65 with annual taxable income of $180,000 or less can receive 25 cents for each dollar they contribute, up to $260.72 a year.
After 3 years
First home access
After three years of membership, you may be eligible to withdraw your KiwiSaver funds to help purchase your first home.
From age 16
A head start for young people
Eligible 16 and 17 year olds can receive government contributions and, from 1 April 2026, compulsory employer contributions.
Independently held
Protected investment
Your KiwiSaver investments are held by independent licensed trustees, separate from the scheme provider for your protection.
How we can help
Choosing the right KiwiSaver provider and fund can feel overwhelming. With dozens of options and varying fees, it's hard to know if you're making the right choice.
Our team will review your current situation, understand your goals, and help you choose a KiwiSaver strategy that's right for you - at no cost.
- Provider and fund comparison
- Contribution rate optimization
- First home withdrawal guidance
- Risk profile assessment
Complimentary KiwiSaver review
Book a complimentary consultation with our KiwiSaver specialists. We'll review your current setup and help you make informed decisions.
Book a Complimentary KiwiSaver ConsultationNot set and forget
Your KiwiSaver should evolve with your life
A fund that suits someone starting work may not suit someone preparing to buy a first home or approaching retirement.
Growing your career
Review contributions as income, family commitments, mortgages and long-term goals change.
Approaching retirement
Revisit investment risk, future income needs and the role KiwiSaver plays in your wider retirement plan.
Fund settings matter
Small decisions can create a large long-term difference
A 25-year-old earning $70,000 and contributing consistently for 40 years could finish with materially different balances depending on fund choice. One illustration compares approximately $558,000 in a conservative fund with $833,000 in a growth fund.
The lesson is not that one fund is right for everyone. Fund type, provider, fees, contribution rate and timeframe all deserve regular attention.
Illustrative figures only. Outcomes depend on contributions, fees, tax and investment returns. Growth funds can fall significantly in value and may not suit shorter timeframes.
The cost of getting it wrong
- Staying conservative for longer than your goals require
- Choosing a fund that does not match your timeframe
- Never reviewing settings as life changes
- Missing available contributions when eligible
Advice for different goals
First homes, self-employment and retirement
KiwiSaver works best when it is connected to the rest of your financial life.
First-home buyers
Understand withdrawal eligibility, how much to contribute and when to reduce investment risk before a planned purchase.
Business owners and self-employed people
Use voluntary contributions and available government contributions alongside managed funds, succession and retirement planning.
Young investors
Eligible 16 and 17 year olds can now receive government and compulsory employer contributions, giving early savings more time to compound.
Frequently asked questions
Common questions about KiwiSaver
Employees can choose 3.5%, 4%, 6%, 8% or 10% of gross pay. A temporary reduction to 3% may be available. The right rate depends on your cashflow and goals.
Yes, you can switch KiwiSaver providers at any time. We can help you compare providers and funds to find the best option for your investment goals and risk tolerance.
You can withdraw your KiwiSaver when you reach the age of eligibility for NZ Super (currently 65), for a first home purchase after 3 years of membership, or in cases of significant financial hardship or serious illness.
After at least three years of membership, eligible members can apply through their provider to withdraw most of their savings to buy a first home they intend to live in. Provider and eligibility conditions apply.
Yes. KiwiSaver advice is generally available at no direct cost to clients. We explain any provider remuneration and relevant fees before you proceed.
The right fund type depends on your age, risk tolerance, and when you plan to use the funds. Generally, younger investors can take more risk with growth funds, while those closer to retirement may prefer more conservative options.
You can still contribute to KiwiSaver and may qualify for government contributions if you meet the current eligibility rules. KiwiSaver can sit alongside managed funds, property and business succession planning.
Yes. Starting earlier gives savings more time to grow. Eligible 16 and 17 year olds can receive government and compulsory employer contributions under current rules.
Ready to check your KiwiSaver?
Whether you are saving for a first home, building long-term wealth, running a business or planning retirement, we will help you understand whether your KiwiSaver still fits.
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