KiwiSaver Service
KiwiSaver,
Built Around You.
Most New Zealanders are in the wrong KiwiSaver fund. We build fully custom portfolios tailored to your individual circumstances — ensuring your KiwiSaver works as hard as you do.
The Service
What KiwiSaver Advice
Really Means.
KiwiSaver is the largest investment most New Zealanders will ever own — yet most are enrolled in a default fund and never review it again. Our KiwiSaver service is designed for members who want more than a mass-market product: people who want their retirement savings managed with the same care, personalisation, and rigour as the rest of their wealth.
We work with members at every stage — from those just starting their first job through to those approaching retirement. Whether you're choosing the right fund for the first time, optimising your contributions, or transitioning to retirement income, we tailor our advice to where you are and where you want to be.
You don't need to be wealthy to benefit. What matters is that your KiwiSaver — your single largest investment — is working as hard as it can for the retirement you want.
The Challenges
The Questions We
Help You Answer.
In the Wrong Fund
Most New Zealanders are in a KiwiSaver fund that doesn't match their age, goals, or risk profile — quietly eroding retirement outcomes year after year.
No Contribution Strategy
Without a plan for contribution rates, employer matching, and government contributions, you may be leaving free money on the table.
Generic, Off-the-Shelf Funds
Default and retail KiwiSaver funds are built for the masses, not for you — offering no personalisation, no direct share exposure, and no tax optimisation.
Disconnection from Overall Wealth
KiwiSaver is often treated in isolation, rather than as one integrated piece of your broader investment and retirement strategy.
Our Approach
How It Works.
Fully Custom Portfolios
We build KiwiSaver portfolios tailored to your individual circumstances — which can include ETFs, direct stocks, and managed funds, rather than a one-size-fits-all fund.
Contribution Strategy
We provide independent guidance on contribution rates, employer matching, and government contributions — ensuring your KiwiSaver works as hard as you do.
Retirement Planning Integration
Your KiwiSaver is integrated with your broader investment portfolio, tax position, and retirement income plan — not managed in a silo.
Independence
Why Independence
Matters for KiwiSaver.
When you get KiwiSaver advice from a bank, the recommendation is almost always the bank's own KiwiSaver product — regardless of whether it's the best fit for you. That's not advice; that's distribution.
Bespoke Wealth has no product alignment, no institutional ties, and no proprietary KiwiSaver fund to sell. We earn our fees through advice, not product sales — which means our KiwiSaver recommendations are always objective and solely in your best interest. We choose the right structure for you from across the entire market, and we build a portfolio that fits your life, not a shelf.
Our Promise
- →No proprietary KiwiSaver fund to sell
- →No trail commissions or product-linked remuneration
- →Recommendations drawn from across the entire market
- →Fees earned through advice, not product sales
Plain English
What is KiwiSaver?
KiwiSaver is New Zealand's voluntary, work-based retirement savings scheme. Members contribute a percentage of their salary, employers match a portion, and the government provides an annual member tax credit. Contributions are invested in a managed fund of your choosing, where they grow over time to help fund your retirement. You can also use your KiwiSaver balance toward a first home deposit, subject to eligibility. Unlike a standard savings account, your money is invested in financial markets — which means the fund you choose, the fees you pay, and the strategy you follow all have a significant impact on how much you retire with. KiwiSaver is, for most New Zealanders, the single most important investment they will ever own.
Questions & Answers
Frequently Asked Questions
Everything you need to know about working with Bespoke Wealth
Is Your KiwiSaver
Working Hard Enough?
Contact our team for a confidential review of your KiwiSaver arrangement — and find out what a custom portfolio could mean for your retirement.
Get in Touch