KiwiSaver Specialists
Make informed KiwiSaver decisions and make the most of New Zealand's retirement savings scheme with professional guidance from qualified KiwiSaver specialists.
Find KiwiSaver SpecialistUnderstanding 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 can be a valuable way for your financial 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 an employer contribution 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
Consider factors like your age, risk tolerance, and retirement timeline when selecting a KiwiSaver fund. Get guidance on when and how to switch funds.
Compare all 370+ KiwiSaver funds with detailed performance data, fees, and risk profiles.
Contribution Optimization
Make the most of government contributions and tax benefits by reviewing 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 guidance on adjustments to keep you on track for your retirement goals.
Track your fund's performance with our KiwiSaver returns comparison showing 1, 5, and 10-year performance across all funds.
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
Frequently Asked Questions
Your ideal fund depends on your age, risk tolerance, and personal circumstances. Advisers typically discuss factors such as years to retirement, with growth funds often used for longer time horizons and conservative funds for shorter ones. A KiwiSaver specialist can assess your specific situation and help determine what may be appropriate for you.
At minimum, contribute enough to get the full government contribution—$1,042.86 per year gets you the maximum $521.43 from the government. Beyond that, higher contributions (6%, 8%, or 10%) significantly boost your retirement savings. Some people choose to increase contributions after pay rises or when debts are paid off.
Yes, after being in KiwiSaver for 3+ years, you can withdraw your contributions and investment returns (but not government contributions) for your first home. You may also qualify for the First Home Grant—up to $5,000 for existing homes or $10,000 for new builds, depending on how long you've been contributing.
Reasons people switch include consistent underperformance relative to peers, high fees (over 1%), or the fund no longer suiting your risk profile. Switching is free and takes about 10 business days. Financial advisers generally caution against frequent switching based on short-term performance—look at 5-year returns when comparing funds.
Not required, but valuable for optimizing your strategy. An adviser can help with fund selection, contribution optimization, first home withdrawal timing, and retirement planning. It's especially worthwhile if you have over $50,000 in KiwiSaver, are approaching retirement, or considering a first home withdrawal.
Explore Your KiwiSaver Options
Get guidance to review your KiwiSaver strategy and make the most of New Zealand's retirement savings scheme.
Disclaimer: The information on this page is general in nature and should not be relied upon as financial advice. Your personal circumstances, financial situation, and goals should be considered before making any financial decisions. Please consult with an FSPR-registered financial adviser to receive advice tailored to your specific situation.