KiwiSaver and investments
Your KiwiSaver, explained in plain language.
Whether you're saving for your first home or for retirement, we help you understand your options and recommend a fund that fits your goals and your comfort with risk.
Finding the right level of risk
Every KiwiSaver fund holds a different mix of investments. The right one depends on your timeframe and how you'd feel watching your balance rise and fall along the way.
Conservative
Mostly cash and bonds. The value usually moves less, so it can suit money you'll need soon.
Balanced
A mix of income and growth assets, aiming for a middle path between stability and growth.
Growth
Mostly shares and property. Expect bigger ups and downs along the way, so it's designed for longer timeframes.
Growth assets such as shares Income assets such as cash and bondsIllustrative only. Every fund's actual mix is set out in its disclosure documents.
What we'll look at together
- Your options
- KiwiSaver providers offer a range of funds with different investment mixes and fees. We explain how your current fund works and how it compares with the alternatives.
- Your goals and timeframe
- Saving for a first home in a few years is very different from retiring in thirty. Your fund should match when you'll need the money and what it's for.
- Your circumstances
- We take into account your income, savings, debts and how comfortable you are with ups and downs, then recommend a fund that fits.
- Managed funds
- Beyond KiwiSaver, we can advise on managed funds if you want to invest for other goals and need access to your money before retirement.
- For employers
- Employers can offer a workplace KiwiSaver scheme to staff. Find out more about group schemes.
Nobody can promise what markets will do. Our advice isn't about chasing returns. It's about a fund you can stick with through the ups and downs.
The value of investments can go down as well as up, and past performance is not a reliable indicator of future returns. Any recommendation comes with the relevant product disclosure documents.
How KiwiSaver advice works
Book a conversation
Choose a 30-minute time that suits you, or call or send a message. It's a chance to see whether we're the right fit for you.
Understand your situation
We talk through your goals, your budget, your existing cover and who depends on you.
Clear recommendations
You get advice in plain language, with each option and its costs clearly explained.
Put it in place and review
We help with the application and paperwork, and you can come back to review your cover as life changes.
KiwiSaver and fund providers we work with
Let's talk
Is your KiwiSaver working for you?
Book a time with us to review your fund, your contributions and your goals.