KiwiSaver advice that reflects your goals, not just default settings
KiwiSaver is one of the most practical ways to build long-term wealth in New Zealand. But many people stay in the same fund, contribution rate, or provider for years without checking if it still suits them. We help you understand where you are now, what your options are, and how your KiwiSaver fits into the bigger picture of your financial decisions.
What is KiwiSaver and why it matters
KiwiSaver is a long-term savings plan designed to support your retirement or help with your first home. Your contributions are invested, and over time those investments can grow, depending on the strategy you are in.
The decisions you make around your fund, contribution rate, and risk level can have a real impact on your outcome. That is why it is worth checking in on your KiwiSaver, rather than leaving it on autopilot.
Are you in the right KiwiSaver fund?
It is common to stay in the same fund for years, especially if you were allocated a default option or made a choice early on. Over time, your goals, income, and timeframe can change, which means your current fund may no longer be the right fit.
Small changes in your situation can have a bigger impact than you might expect, so it can be worth checking that your KiwiSaver still reflects where you are now, not just where you started.
Can you have more than one fund?
We structure KiwiSaver portfolios using a range of New Zealand’s leading investment managers, rather than relying on a single provider or fund.
This creates diversification across different strategies and removes much of the pressure of trying to make those decisions on your own. You can view your KiwiSaver investment mix at any time online.
Is your KiwiSaver set up properly?
Complete a quick checklist to make sure you’re making the most of it. KiwiSaver isn’t set-and-forget; your fund choice, contribution level, and investment strategy can all impact how much you’ll have when it’s time to retire or buy your first home.
While KiwiSaver is a long-term investment, you can take out funds towards your first home as long as you meet certain criteria. It’s worth checking that your current setup still suits your age, stage, and goals.
What are the recent KiwiSaver updates?
From 1 April 2026, the default KiwiSaver contribution rate has increased from 3% to 3.5% for both employees and employers. If you were on the default rate, this change happens automatically. If affordability is a concern, you can apply for a temporary rate reduction and continue contributing at 3%. Read more here.
Common KiwiSaver questions
How often should I review my KiwiSaver ?
It is worth reviewing every one to two years, or sooner if your situation changes.
Can I change KiwiSaver providers or funds?
Yes, you can change providers or funds if your current setup no longer suits your needs. It is not locked in.
Is KiwiSaver enough on its own for retirement?
KiwiSaver can play an important role, but it is often only one part of a wider financial plan, depending on your goals, age, and circumstances.
Should I increase my KiwiSaver contributions?
Increasing your contributions can help grow your balance over time, but any change should feel sustainable and fit alongside your other financial commitments. Talking this through with an adviser can help you decide what is realistic and appropriate for your situation.
How does the KiwiSaver government contribution work?
A KiwiSaver investment includes incentives to help New Zealanders build their retirement savings. One of these is the Government contribution available to those aged 16-64 who are living in New Zealand.
For every $1.00 you contribute, the Government contributes 25c, up to a maximum of $260.72 each year. To receive the full amount, you need to contribute at least $1,042.86 between 1 July and 30 June.
If you’re unsure how to qualify or have another KiwiSaver question, just get in touch as we’re here to help.
What is a KiwiSaver risk profile?
Your risk profile is about how comfortable you are with the ups and downs of investing. Some people prefer a steadier approach with less movement, while others are more comfortable accepting fluctuations for the potential of higher long-term returns.
We help you understand your comfort level with risk and how this applies to your KiwiSaver, so your investment approach reflects your age, stage, and goals rather than guesswork.
You can complete our risk profile using the button below as a starting point. We will then get in touch to talk through the result and whether a conservative, balanced, or growth approach feels right for you.
Login to your KiwiSaver investment online
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