KiwiSaver balances can fluctuate with market movements and life changes. Therefore, it’s crucial to choose the right type of fund for your stage of life and circumstances.

KiwiSaver checklist – key areas to check annually

• Complete a risk profile: A risk profile is a simple form that lets you know what your appetite for risk is. It determines if you are a conservative, balanced or growth investor.
  • Conservative investors have a lower risk tolerance and are not chasing higher returns.
  • Balanced investors seek a middle ground between risk and return.
  • Growth investors are willing to take on more risk to aim for higher returns.
• Ensure you receive the Government contribution to your KiwiSaver. This essentially is free money from the government that boosts your retirement savings. By contributing at least $1,042.86 annually, you qualify for the maximum government contribution of $521.43. (Please note: As from July 2025, the maximum Government contribution is changing to $260.72)
• This amount is pro-rated so if your annual contribution was $900 you will receive $450.00 as the government contribution. (this amount will change to $225.00 as from July 2025)
• Asses your retirement plan ‘Your future you’ will thank you for having a retirement plan! Revisit your goals each year and check you are still on track to have the lifestyle you desire.

Be an informed investor and know what you have and where you want to be.

Complete your KiwiSaver risk profile here and we will be in touch!

This information is of a general nature and is not intended as personalised financial advice. RIVAL Wealth is a Financial Advice Provider (FAP) licenced by the Financial Markets Authority to provide financial advice. Our disclosure document is located at rivalwealth.co.nz or a written copy is available on request