KIWISAVER INVESTMENT OPTIONS: PERSONALISED ADVICE FOR YOUR RETIREMENT SAVINGS
At RIVAL Wealth, we offer personalised KiwiSaver advice to help you understand your investment options, and we recommend the most suitable KiwiSaver investment based on your age, stage, and financial goals. Did you know that you don’t have to be in just one fund? Get in touch to ask us how.
What is a KiwiSaver Investment?
KiwiSaver is a voluntary savings scheme designed to help New Zealanders grow their retirement savings or buy their first home. Your contributions are invested by a provider you choose, and selecting the right fund, or combination of funds, can make a big difference.
Don't limit your KiwiSaver to just one fund
Rather than being limited to one provider’s offerings, we recommend KiwiSaver investments, which give you access to a supermarket of funds. We help you diversify and select the right mix to suit your age, stage, and what you’re saving for, whether it’s retirement or your first home.
The sky is the limit
A growth investor – these investors are willing to adopt a significantly higher level of risk. They are generally in search of potentially higher returns over the long term. Their investments will mostly be in property and shares, with a small exposure to fixed-interest bonds.
Already have a KiwiSaver investment?
Complete a quick checklist to make sure you are making the most of your KiwiSaver investment. To find out what type of investor you are and what your appetite for risk is, complete our questionnaire below. We will then get in touch to let you know if you’re a conservative, balanced or growth investor.
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
Other benefits of KiwiSaver
While KiwiSaver is a long-term investment, you can take out funds towards your first home as long as you meet certain criteria.
Not so keen on fluctuations?
A conservative investor – suits someone who is not so keen on seeing their investment move up and down. They may rely on a regular income from their investment and are prepared to accept lower returns. Investments will be mainly be fixed interest bonds, with a limited exposure to property and shares.
Middle of the road
A balanced investor – people in this category can tolerate more moderate movements in their investment. They do have a long-term strategy and are comfortable with a bit more risk. Their portfolio will generally consist of a range of property, shares and fixed-interest bonds.
The sky is the limit
A growth investor – these investors are willing to adopt a significantly higher level of risk. They are generally in search of potentially higher returns over the long term. Their investments will mostly be in property and shares, with a small exposure to fixed-interest 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.
Login to your KiwiSaver investment online
RIVAL Wealth eNews
Sign up for our quarterly eNews. You'll be kept in the loop with loads of helpful information, short videos, refreshing articles and riveting top tips!
