KiwiSaver advice that's built around you, not a default fund

KiwiSaver funds range from conservative to aggressive, and the right choice depends on how long until you need the money and how comfortable you are with ups and downs. Someone with 30 years to go may be poorly served by a conservative fund, while someone about to buy a first home or retire may need more stability. We review your fund against your timeframe and goals.

Fees. Small differences in annual fees add up over decades. We look at what you're paying and whether you're getting value for it.

Your PIR. KiwiSaver is taxed at your prescribed investor rate (PIR) of 10.5%, 17.5% or 28%. If your PIR is set too high, you overpay tax. If it's set too low, you may face a tax bill at the end of the year. It's worth checking it's correct.

Contribution rates and government contributions. The rules have changed recently. From 1 July 2025, the government contribution halved to 25 cents for each dollar you contribute, up to $260.72 a year, and it isn't paid to people earning over $180,000. Default employee and employer contribution rates rose from 3% to 3.5% on 1 April 2026, and are due to rise to 4% on 1 April 2028. We help you understand how these changes affect you, and whether contributing more than the minimum makes sense for your situation.

Some KiwiSaver schemes let you choose your own investments rather than a standard fund. Where it suits you, we can build and manage a KiwiSaver portfolio using ETFs, direct shares and managed funds, designed to fit your wider investment strategy rather than sitting in isolation.

From 65, you can generally withdraw some or all of your KiwiSaver savings, but you don't have to. Many people keep much of it invested and draw on it gradually. We help you plan how KiwiSaver fits into your overall retirement income, alongside NZ Super and your other investments.