KiwiSaver

Dream of your first home? KiwiSaver can help turn that dream into reality. As you contribute from your regular pay, your employer matches up to 3%, and the government adds their contribution too - helping you build that crucial home deposit faster.

While getting into your first home is important, the biggest financial risk most people face is not having enough money for retirement. Living costs keep rising, and we're living longer than ever. KiwiSaver helps address both challenges. Your regular contributions, plus employer and government top-ups, continue growing with investment returns over time to help build a retirement nest egg.

Start building your tomorrow today - KiwiSaver helps you achieve both home ownership and a more secure retirement.

  • Ready for home ownership? Access your KiwiSaver savings for your first home deposit, helping you get into your own home sooner.

  • Build a stronger financial future for yourself. KiwiSaver helps you create the retirement lifestyle you want, giving you more choices and freedom in your golden years.

  • Employer KiwiSaver contributions typically match 3% of your salary as long as you are contributing at least 3%, essentially giving you free money that compounds over time.

  • The government rewards your saving efforts by adding 50 cents for every dollar you contribute, up to $521 annually. That's extra money helping build your future.

  • Saving is automatic with contributions from your pay, and you can choose how your money is invested. From conservative to growth options, you control your investment strategy.

  • Choose contribution rates from 3% to 10% of your salary to match your goals and budget. Whether you're focusing on retirement or saving for a home, you decide how much to save.

Why work with an Adviser?

Our advisers are your personal guides through the complexities of KiwiSaver, ensuring your investment strategy aligns perfectly with your goals and risk tolerance. Being in the wrong fund at age 30 could half your retirement balance - potentially costing you hundreds of thousands of dollars in lost returns. Our team will help you understand the different fund options available and why choosing the right one is crucial for your financial future.

During market downturns, when emotions can lead to poor decisions, having our experienced advisers by your side provides clarity and confidence to stay focused on long-term success. Their steady guidance helps prevent costly mistakes driven by fear or uncertainty.

Regular reviews and personalised support mean your KiwiSaver strategy evolves as your life circumstances change, while our expertise helps you make informed decisions about contribution levels and fund switches to maximise your retirement savings.

  • Our advisers ensure your KiwiSaver strategy aligns with your current life stage and future goals, from first home withdrawal planning to retirement preparation. Each stage requires different approaches and fund selections.

  • Being in the wrong fund type can half your retirement balance - potentially costing hundreds of thousands in lost returns. Our advisers help you avoid these common but significant pitfalls.

  • When markets become turbulent, having an experienced adviser provides clarity and prevents emotional decisions that could harm your long-term returns. They'll help you stay focused on your strategy rather than reacting to short-term noise.

  • We help you make informed decisions about contribution levels, ensuring you're maximising government contributions and employer matches while balancing your current financial needs.

  • Life changes, and so should your KiwiSaver approach. Our advisers conduct regular reviews to ensure your fund choice and contribution levels remain appropriate as your circumstances evolve.

  • From first home withdrawals to retirement planning, our advisers help navigate complex KiwiSaver decisions, ensuring you understand your options and make choices aligned with your financial goals.