A small decision can still have a long horizon.
KiwiSaver works best when it is considered alongside your time horizon, income, other assets, and the flexibility you want later.
Most people have never reviewed their KiwiSaver
Your KiwiSaver settings may have been selected some time ago, before your income, time horizon, responsibilities, or retirement intentions became clearer. A review can help you decide which questions are worth considering now.
Fund choices, contribution rates, fees, and time horizon can all affect the experience and outcomes of KiwiSaver. The appropriate option depends on your personal circumstances, objectives, and appetite for risk.
We provide KiwiSaver advice that considers fund types, provider options available within scope, contribution strategies, and the role KiwiSaver may play in your wider plan.
KiwiSaver advice for every stage of life
People who have never reviewed their fund
You may not have revisited whether your fund choice still fits your time horizon, circumstances, and retirement intentions.
People approaching retirement
As you get closer to retirement, your fund strategy needs to change. We advise on when and how to shift your allocation to protect what you have built.
First home buyers
KiwiSaver can be a significant source of deposit funds. We advise on eligibility, withdrawal timing, and how to maximise the First Home Grant alongside your KiwiSaver.
Employers wanting to add value
Employer contributions above the 3% minimum are a tax-efficient way to attract and retain talent. We advise on the right structure for your business.
Matching your KiwiSaver strategy to your timeline and goals
Your current fund and whether it fits
We assess your current fund type against your age, risk tolerance, and retirement timeline. Many people are in the wrong fund — often too conservative for their stage of life.
Your contribution rate
Are you contributing enough? We model the difference between contribution rates and show you the long-term impact of increasing by even 1–2%.
Your provider
We consider fees, fund composition, service, and the KiwiSaver options available within the scope of the advice, alongside your circumstances and preferences.
Your retirement income projection
Where it is within the agreed scope, we discuss the assumptions and scenarios that may be relevant to your longer-term retirement planning.
What to expect from a KiwiSaver review
- A personalised assessment of your current fund and contribution strategy
- A clear recommendation on fund type, provider, and contribution rate
- A retirement income projection based on your current settings
- Advice on first home withdrawal eligibility if relevant
- An annual review to ensure your strategy stays on track
Would you like to review your KiwiSaver?
Start with a conversation about your current settings, the questions you have, and whether a KiwiSaver review would be useful.
Start the conversation