Introduction to KiwiSaver

KiwiSaver is one of the most powerful tools New Zealanders have for building long‑term wealth — whether that’s for retirement or buying a first home.

Yet many people stay in the default option and never review whether it’s actually working for them.

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What is KiwiSaver?

KiwiSaver is a voluntary, long‑term savings and investment scheme designed to help New Zealanders prepare for retirement.

Your balance grows through a combination of your contributions, employer contributions, government contributions (if eligible), and investment returns.

How KiwiSaver Works

You Contribute

If you’re employed, a percentage of your pay is automatically invested for you.


Your Employer Contributes

Employers must contribute to KiwiSaver if you’re contributing.


The Government Contributes

If eligible, the Government adds up to an annual contribution each year.


Your Money Is Invested

Your KiwiSaver is invested in markets to grow over time.

How Much Do You Contribute?

If you’re employed, you can choose to contribute a percentage of your before‑tax pay.

If you’re self‑employed or not working, you can contribute what and when you like.

  • Common employee contribution options

    • 3.5%,

    • 4%,

    • 6%,

    • 10%

  • Employer contributions apply if you’re contributing

  • Voluntary contributions can be added at any time

Where Is Your KiwiSaver Invested?

KiwiSaver isn’t a bank account. Your money is invested in managed funds that typically include a mix of shares, property, fixed interest, and cash.

Growth Funds

Higher long‑term return potential with more ups and downs

Balanced Funds

A mix of growth and stability

Conservative Funds

Lower risk, lower expected returns

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When Can You Use KiwiSaver?

First home


Many people can use KiwiSaver towards their first home after meeting minimum criteria.

Retirement


KiwiSaver is designed to support you from age 65 onwards, alongside NZ Superannuation.

Common KiwiSaver Mistakes

  • Staying in the default fund for years

  • Being in the wrong fund for your age or goals

  • Never reviewing contributions

  • Treating KiwiSaver as “set and forget”

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How We Help with KiwiSaver

KiwiSaver decisions can have a major impact on your long‑term outcomes. We help you understand your options and make confident, informed choices.

  • Review fund choice and risk level

  • Check contribution settings

  • Align KiwiSaver with first‑home or retirement goals

  • Ongoing reviews as life changes

Is Your KiwiSaver Working as Hard as It Could?

A short review can help you understand where you’re at and whether small changes could make a big difference over time. If you’d like to know more, we’re happy to talk — no pressure, no obligation.

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KiwiSaver advice provided in accordance with New Zealand financial services regulations