KiwiSaver Investment Advice

KiwiSaver is a voluntary, work-based savings scheme that was started by the New Zealand Government in 2007.  It was set up to help people save for a first home purchase and/or retirement.  There are different investment options to choose from.  Contributions to KiwiSaver are made by you (should you choose to participate), your employer and the NZ Government (all based on certain criteria).

KiwiSaver can be a great way to save for a first home or retirement, but whether it’s right for you depends on your own unique circumstances. That’s why getting personalised financial advice is so important. We can help you optimise your KiwiSaver strategy, recommend the right investment fund, and ensure it integrates seamlessly with your broader financial plan to help you achieve your goals. 

If KiwiSaver isn’t the most suitable tool for your situation, we’ll recommend alternative options to help you meet your objectives. With professional guidance, you can make the most of your savings and enjoy greater financial confidence.

We provide comprehensive KiwiSaver advice to optimise your savings for retirement and/or first home purchase. Our process begins by understanding your unique goals, risk profile and time horizon. We develop a personalised investment strategy, recommend the right funds, contribution levels, and integrate KiwiSaver with your overall financial plan. But it doesn’t stop there.  

Our going advice and support includes implementing your investment strategy, regular monitoring, reporting, rebalancing, and behavioral coaching to keep you on track, especially during market volatility. We’re your trusted partner in making the most of your KiwiSaver.

While professional KiwiSaver advice does come with a cost, it’s important to consider the long-term benefits. We can optimise your investment strategy, select the right mix of funds, integrate your KiwiSaver with your broader financial plan, and provide ongoing monitoring and guidance – services that can lead to significantly higher retirement savings over time. The value of advice often far outweighs the cost, making it a worthwhile investment in your financial future.

Integrating KiwiSaver with a broader financial plan is crucial for long-term financial success. While KiwiSaver can be a great tool for saving for retirement (and is not suitable for everyone), it’s just one area of personal finance.  Aligning your KiwiSaver strategy (if right for you), with a broader strategy and financial plan allows you to maximise savings, optimise your overall investments, manage debt more effectively, plan better for retirement, and make more informed financial decisions. 

Furthermore, many advisers focus narrowly on individual products, overlooking your bigger financial picture, which can lead to inefficient savings, poor debt management, inadequate investment strategies, and more uncertainty around planning for your retirement.

Even if you already have KiwiSaver, professional advice offers benefits far beyond it’s actual cost. We provide personalised strategies based on your unique goals, risk tolerance and time horizon. We select the right mix of investments to maximise returns. By integrating KiwiSaver with your broader financial plan as well, we ensure your savings align with your overall objectives.  Ongoing monitoring of your KiwiSaver account, along with behavioral coaching to help you maintain discipline, especially during periods of market volatility, further enhance the value of professional advice in growing your retirement nest egg over the long-term.

Withdrawing from KiwiSaver is a crucial decision that impacts your retirement lifestyle. Our Retirement Planning service helps answer these questions and helps you create a sustainable withdrawal strategy, considering factors like expenses, income sources, and life expectancy. We assess risks, including inflation, market risks, and provide long-term retirement projections to help your plan and achieve your retirement lifestyle goals in the best way possible.  Our Retirement Planning service also caters to those already retired to help them meet their own unique retirement planning goals and needs.