Licensed FAP ·
Free to chat
Life changes.
Has your KiwiSaver kept up?
13.3% vs 7.4% — that's the gap between growth and conservative fund returns over the past three years. Worth knowing which one you're in.
Up to
$260.72govt contribution per
year
Specialist
referrals
Why fund choice matters
Set and forget, forgotten
Most people
choose a fund once and never revisit it. But your goals, timeline, and risk tolerance change — your fund
should too.
Chosen for you, not by you
If you didn't
actively pick your KiwiSaver fund, you were likely defaulted into one. It's worth checking whether it
still suits you.
Free money, unclaimed
Up to $260.72
the govt gives you every year
Contribute at
least $1,042.86/year and IRD matches 25c for every dollar, up to $260.72. Over 30 years, that could add
up to around $7,800 in free contributions. Income and other eligibility criteria apply.
Retirement Calculator
See your retirement number
Adjust the sliders to compare two return scenarios.
Your age
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18
64
Annual salary
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$30K
$200K
Current balance
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$0
$200K
Assumptions
3.5% employee + 3.5% employer
contributions · Govt up to $260.72/yr · Retire at 65 · Conservative: 2.5% p.a. net · Growth: 4.5% p.a.
net
Figures are in
future dollars, not adjusted for inflation. Assumes a flat salary with no growth, and doesn't account
for fees or tax on investment returns. Illustrative only, not financial advice — talk to our
specialist for a projection based on your actual circumstances.
Fund A (lower growth)
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at retirement · 2.5% p.a. net
Difference between Conservative and Growth
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Fund Types
Find your fund
Your fund type has a big impact on your KiwiSaver. It's worth checking whether yours still fits your age and goals.
Conservative
~3–4% p.a.
net
Low risk
High risk
Mostly cash
and bonds. Low volatility but low growth. Suitable when retirement is very close — within 2–3 years.
Typically suits: Retiring soon
Balanced
~5–6% p.a.
net
Low risk
High risk
Mix of shares
and bonds. Moderate growth with some volatility buffer. Good middle ground for those 10+ years from
retirement.
Typically suits: 10–15 yrs to retire
Aggressive
~8–10% p.a.
net
Low risk
High risk
100%
high-growth equities. Maximum long-term potential but significant swings. Requires a high tolerance for
volatility. May suit those with a long time horizon and high risk tolerance.
Typically suits: 20+ yrs, higher risk tolerance
Past returns don't guarantee future performance.
Returns are indicative averages across NZ KiwiSaver funds. A KiwiSaver specialist can help you choose
based on your individual situation.
The Process
Sorted in three steps
1
Free
A
quick conversation
Tell us your age, how long until
retirement, your current provider, and what you want. Zero obligation.
2
We connect you
Referral to a specialist
We can put you in touch with a
KiwiSaver specialist who compares providers and fund options based on your situation.
Supported throughout
Help through the process
If a switch is right for you, our
referral partner will handle the paperwork and keep you updated.
Planning to buy your first home?
Your KiwiSaver could help fund your deposit.
Use it to get on the ladder.
Use it to get on the ladder.
We
can refer you to a specialist who works with providers.
Independent referrals
FAQ
KiwiSaver questions answered
Free · No obligation · Licensed FAP
Life changes.
Your KiwiSaver should keep up.
A free 30-minute chat. We'll talk through your fund, your provider and your timeline — then point you to a specialist if it makes sense.