Helping You Make Smarter KiwiSaver Choices
Retirement planning doesn’t have to be a drag
Think of KiwiSaver as your secret weapon for building wealth, with bonus perks like employer top-ups and returns that make regular savings accounts look like pocket change.
Picking the right KiwiSaver scheme can feel like swiping through too many options with no idea which one is “the one.” That’s where we come in. We cut the fluff, ditch the jargon, and break it all down so you actually get what’s going on.
We don’t do one-size-fits-all advice. We’ll help you figure out which scheme works for your life, explain the perks and pitfalls, and set you up with a plan that makes sense. Future you is already thanking you.
Making KiwiSaver Simple
We make KiwiSaver advice easy with a simple step-by-step process, helping you feel confident and informed every step of the way. Here’s how it works
STEP 1
Getting to Know You
It starts with a chat. We’ll take the time to understand your current situation, financial goals, and what you’re hoping to get out of KiwiSaver—whether it’s saving for your first home or boosting your retirement fund.
STEP 2
Exploring Your Options
We’ll break down how KiwiSaver works. Employer contributions, government top-ups, fund types, there’s a lot to unpack. We break it down in plain English, so you can make smart moves with your contributions and fund choice.
STEP 3
Matchmaking You With the Right Provider
Not all KiwiSaver providers are created equal. We compare big names like Milford, Booster, Generate, and NZ Funds to find the best fit for your financial future. No guesswork, just good advice.
STEP 4
Putting the Plan in Place
We handle the paperwork, so you don’t have to. Whether you’re enrolling or switching providers, we’ll get it sorted. And if your goals change? We’re here to keep you on track.
Not sure what investor type you are?
KiwiSaver - The Smart Way to Save
Made for Kiwis
Free Money from Your Boss
Your employer chips in at least 3.5% of your salary on top of your own savings, giving your KiwiSaver a serious boost without you lifting a finger.
Government Giveaways
If you’re eligible, the government adds 25 cents for every $1 you contribute to KiwiSaver, up to $260.72 per year.
Frequently Asked Questions
Can I use my KiwiSaver to buy a house?
Yes, if you’ve been a KiwiSaver member for at least three years, you may be able to withdraw most of your savings to put toward your first home. Some second-chance buyers may also qualify.
How do I know if I’m in the right KiwiSaver fund?
What’s the deal with employer contributions?
If you’re contributing to KiwiSaver (minimum 3.5% of your salary), your employer is legally required to contribute 3.5% as well—that’s extra money on top of your wages that goes straight into growing your balance.
Does the government contribute to my savings?
Yes, for every dollar you put into KiwiSaver (up to $1,042.86 per year), the government adds 25 cents, up to a maximum of $260.72 per year. That’s free money you don’t want to miss.
Can I change my KiwiSaver provider?
What KiwiSaver fund should I be in?
It depends on how long until you need the money and how comfortable you are with your balance moving up and down. As a rough guide, growth funds suit people with 10+ years until retirement or a first home purchase, balanced funds suit a middle timeframe, and conservative funds suit anyone within a few years of needing the money. The fund that’s right for your neighbour isn’t automatically right for you, which is why a proper review looks at your whole financial picture, not just your KiwiSaver balance in isolation.
What happens to my KiwiSaver if I change jobs?
Nothing changes with your KiwiSaver account itself, it stays with your chosen provider regardless of who you work for. What does change is your contribution rate through PAYE, so it’s worth checking your new payslip to confirm the right percentage is coming out and that your new employer is matching it correctly.
What's the minimum I need to contribute?
Employee contribution rate options are 3.5%, 4%, 6%, 8%, or 10% of your before-tax pay, with 3.5% now the minimum and default rate as of 1 April 2026, rising again to 4% from 1 April 2028. Employers must match with a minimum contribution of the same 3.5%, also rising to 4% in April 2028. If you’re self-employed or not earning PAYE income, you can contribute any amount voluntarily, though you’ll need to hit $1,042.86 across the year to get the full government contribution.
Can 16 and 17 year olds join KiwiSaver?
Yes, and the rules recently improved for younger members. From July 2025, 16 and 17 year olds became eligible for the government contribution, and from April 2026 they’ll also be eligible to receive employer contributions, which wasn’t previously the case.
Should I increase my KiwiSaver contributions or focus on paying down my mortgage faster?
This is exactly the kind of question that shouldn’t be answered in isolation. A well-structured mortgage that’s paid off faster frees up cash flow for retirement savings later, while KiwiSaver contributions build long-term wealth you can’t easily touch in the meantime. The right balance depends on your interest rate, your timeframe, and what else is happening in your financial life, which is why we look at mortgage, KiwiSaver, and insurance together rather than as separate decisions.
Do I need to review my KiwiSaver fund regularly?
Yes, your fund choice should shift as your circumstances change, not sit on autopilot for twenty years. A fund that suited you at 25 with decades to retirement may not suit you at 55 with a first home purchase or retirement approaching. Regular reviews also catch fee changes, performance shifts, and whether your provider still matches your goals.