Plan beyond today
KiwiSaver & investments
Your KiwiSaver is likely one of your largest assets — yet most New Zealanders never choose their fund deliberately. We help you match your fund, contributions and wider investments to your actual goals.
What it covers
- A KiwiSaver fund and provider review — are you in the right fund?
- Contribution rates and first-home withdrawal planning
- Investment goals beyond KiwiSaver, matched to your comfort with risk
Who it's for
First-home buyers, people who have changed jobs and lost track of old accounts, and anyone within ten to fifteen years of retirement who wants a proper review.
Common mistakes we see
- Staying in a default or conservative fund for decades while saving for retirement thirty years away.
- Dropping contributions to the minimum without checking what that does to your final balance.
- Chasing last year's best-performing fund instead of the one that fits your timeframe.
Questions to ask before you buy
- Which fund type am I in, and does it match when I'll actually need the money?
- How much is my employer paying, and am I leaving free contributions on the table?
- What fees am I paying, and what are they buying me?
How we help
We review your fund, fees and contribution rate in one conversation, explain the trade-offs simply, and check in again as your goals change — first home, children, retirement.
“Eduard reviewed KiwiSaver accounts we had ignored for years and showed us exactly what to change. Clear, patient, no pressure.”
Common questions
Which KiwiSaver fund should I be in?
It depends mainly on your timeframe. Longer than ten years typically suits a growth fund; shorter horizons call for more conservative options. We match the fund to your date, not your mood.
Can I use KiwiSaver for my first home?
Yes — after three years of contributing you can withdraw most of your balance for a first home. We help you plan the numbers alongside your deposit.
What is the difference between providers?
Fees, fund ranges and long-term performance. Paying less in fees for similar performance can add tens of thousands of dollars over a working life.
I have an old KiwiSaver account from a previous job — what should I do?
Consolidating makes it easier to see the full picture and avoids paying fees twice. We help you find and combine old accounts.
Is KiwiSaver enough for retirement?
For most people it helps, but it is not the whole answer. We look at KiwiSaver alongside your other savings, property and plans.
Related services
This is general information only, not personal financial advice. MFSS Limited FSP1004620, trading under SHARE FSP683711. See our disclosure statement. ↗