KIWISAVER INVESTMENT OPTIONS: PERSONALISED ADVICE FOR YOUR RETIREMENT SAVINGS

Already have a KiwiSaver investment?

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.

KiwiSaver updates

As part of the 2025 Budget, the Government announced several changes to KiwiSaver. These updates may affect how you contribute and benefit from KiwiSaver, so it’s worth taking a moment to understand what’s changing and when. Read more here

What is an investment risk profile?

Your risk profile is simply about how comfortable you are with the ups and downs of investing. Some people prefer a steady approach, while others are happy to take on more risk for the chance of higher returns. We help you understand your comfort level with risk and recommend a KiwiSaver mix that suits your age, stage, and goals. You can take our risk profile to get started on the button below. We will then get in touch and let you know if you’re a conservative, balanced or growth investor.

A conservative investor: This suits someone who prefers a steadier approach and doesn’t want to see big ups and downs in their investment. They might rely on regular income from their savings and are comfortable with slower, more stable growth. These portfolios usually focus on lower-risk investments like bonds, with only a small portion in things like property or shares.

A balanced investor: People in this category are generally comfortable with a bit of movement and are focused on steady growth over time. They’re not looking for extreme highs or lows, but they’re open to some risk to help their investment grow. Their portfolio usually includes a mix of shares, property, and fixed-interest investments to spread both risk and opportunity.

A growth investor: They are usually focused on long-term potential and are comfortable with more ups and downs along the way. They’re aiming for higher returns over time and understand that this means taking on more risk. These portfolios are mostly made up of shares and property, with only a small portion in lower-risk investments like bonds.

Make sure you’re getting $260.72 of extra money each year! 

A KiwiSaver investment has substantial incentives for New Zealanders to save for retirement. There is a Government contribution you can receive, which is available to those aged 16-64 who are living in New Zealand.

For every $1.00 you contribute, the Government will contribute 25c up to a maximum of $260.72 annually. To receive this maximum amount, you must contribute at least $1,042.86 during the period 1 July to 30 June each year. If you can’t make the maximum contribution, you’ll still get a portion.  The $260.72 will be pro-rated to align with how much you have contributed.

Those earning over $180,000 annually will no longer be eligible for the Government contribution.

If you’re unsure how to qualify or have another KiwiSaver question, just get in touch as we’re here to help.