It is designed to help you save towards retirement.  Your KiwiSaver money is invested on your behalf by a KiwiSaver provider that you get to choose.  Our experts will help you with this process and keep you on track.

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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 fluctuations.   Over a longer term, they can achieve some good returns.  They are ok with more risk and their portfolio will have a range of property and shares with less volatile fixed interest bonds.  


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 an small exposure to fixed interest bonds.

Already have a KiwiSaver investment?

Complete a quick check list here to make sure you’re making the most of your investment.   To find out type of what type of investor you are and your appetite for risk, complete our questionnaire below.  This will tell you if you’re a conservative, balance or growth investor.

Donna Hintz – Financial Adviser

Make sure you’re getting $521.43 of free money each year! 

KiwiSaver has substantial incentives for New Zealanders to save for retirement, however many Kiwi’s don’t make the most of the benefits offered.

There is a Government contribution you can receive.  For every $1.00 you contribute, the Government will contribute 50c up to a maximum of  $521.43 annually.  To receive this maximum amount, you must contribute at least $1,042.86 during the period 1 July to 20 June each year.   If you can’t make the maximum contribution, you’ll still get some free money.  The $521.43 will be pro-rated to align with how much you contributed.

If you’re unsure how to qualify, or have another KiwiSaver questions just get in touch with us as we are happy to help.

Find out about other benefits from joining KiwiSaver

While KiwiSaver is a long term investment, you can take out funds towards your first home as long at you meet certain criteria.   Plus you may qualify for a KiwiSaver HomeStart grant up to $10,000.  If you are employed, your employer must contribute 3% to your KiwiSaver and many businesses often contribute more as part of incentive packages for their staff.