KiwiSaver Specialists
Maximize your KiwiSaver returns and make the most of New Zealand's retirement savings scheme with expert guidance from qualified KiwiSaver specialists.
Find KiwiSaver ExpertUnderstanding KiwiSaver
KiwiSaver is New Zealand's voluntary retirement savings scheme designed to help you save for retirement. With government contributions, employer contributions, and investment growth, it's one of the most effective ways to build wealth for your future.
Government Contributions
Up to $521 annually in government contributions when you contribute at least $1,043 per year.
Employer Contributions
Minimum 3% employer contributions on your salary, which is essentially free money added to your retirement savings.
First Home Benefits
Access your KiwiSaver savings for your first home purchase, plus potential HomeStart grants.
KiwiSaver Advisory Services
Fund Selection & Switching
Choose the right KiwiSaver fund based on your age, risk tolerance, and retirement timeline. Get guidance on when and how to switch funds.
Contribution Optimization
Maximize government contributions and tax benefits by optimizing your contribution rate and timing voluntary contributions effectively.
First Home Withdrawals
Navigate the process of withdrawing KiwiSaver funds for your first home, including eligibility requirements and application procedures.
Performance Monitoring
Regular reviews of your KiwiSaver performance and recommendations for adjustments to keep you on track for your retirement goals.
Tax Implications
Understand the tax benefits of KiwiSaver and how to structure your contributions for maximum tax efficiency.
Retirement Planning Integration
Integrate your KiwiSaver with broader retirement planning strategies to ensure comprehensive financial security in retirement.
KiwiSaver Fund Types
Conservative
Low risk, stable returns
Suitable for those nearing retirement or with low risk tolerance
Moderate
Balanced risk and return
Mix of growth and income investments for moderate risk tolerance
Balanced
Medium to high risk
Good for those with 10+ years until retirement
Growth/Aggressive
High risk, high potential return
Best for young investors with long investment timeframes
Common KiwiSaver Questions
When should I switch KiwiSaver funds?
Consider switching when your risk tolerance changes, you're approaching retirement, your current fund is underperforming, or your life circumstances change significantly. A KiwiSaver specialist can help you determine the right timing.
How much should I contribute to KiwiSaver?
The minimum is 3% of your salary, but contributing more can significantly boost your retirement savings. Aim to contribute at least $1,043 annually to receive the full government contribution of $521.
Can I use KiwiSaver for my first home?
Yes, you can withdraw your contributions and returns (but not government contributions) for your first home after being in KiwiSaver for at least 3 years. You may also be eligible for a HomeStart grant.
Maximize Your KiwiSaver Potential
Get expert advice to optimize your KiwiSaver strategy and make the most of New Zealand's retirement savings scheme.