Make your KiwiSaver actually work for you
For most Kiwis, KiwiSaver is one of their largest assets, yet many are in a fund that doesn't match their goals. We help you choose the right fund type, contribution rate and provider, whether you're saving for a first home or a comfortable retirement.
Free initial consultation · No obligation · Plain-English advice
What KiwiSaver advice covers
KiwiSaver looks simple on the surface, but the choices you make have a big impact over time. The right fund and contribution rate can mean a meaningfully different balance by the time you retire, or by the time you're ready to buy your first home. We take the guesswork out of it.
Choosing the right fund type
Defensive, conservative, balanced, growth or aggressive: the fund type you're in should reflect how long until you need the money and how comfortable you are with ups and downs along the way. Many people are in a default fund that is more conservative than their goals call for. We help you match your fund to your timeframe and your appetite for risk.
Contribution rates and employer matching
You can contribute 3%, 4%, 6%, 8% or 10% of your pay, and your employer contributes too. We help you find a contribution rate that builds your balance without stretching your budget, and make sure you're getting the full annual Government contribution you're entitled to.
Buying your first home
KiwiSaver can be one of the most powerful tools for getting into your first home. If you're eligible, you may be able to withdraw most of your balance towards your deposit. We help you understand the rules, the timeframes and how your fund choice should change as your purchase gets closer.
Planning for retirement
As retirement approaches, the focus shifts from growing your balance to protecting it and planning how you'll draw it down alongside NZ Super. We help you think about what "enough" looks like for you, and keep your KiwiSaver on track to get there.
Talk to an adviser →KiwiSaver questions Kiwis ask us
Which KiwiSaver fund should I be in?
It depends mainly on how long until you'll use the money and how comfortable you are with your balance moving up and down. As a general guide, the longer your timeframe, the more growth-oriented you can usually afford to be. There's no one-size-fits-all answer, which is exactly where personalised advice helps.
Can I use my KiwiSaver to buy my first home?
In most cases, yes. If you've been contributing for at least three years and meet the eligibility criteria, you may be able to withdraw most of your KiwiSaver balance (leaving a small minimum) to put towards a first home. We can walk you through the rules and timing for your situation.
How much should I be contributing?
Employees can choose 3%, 4%, 6%, 8% or 10% of their before-tax pay, with employers contributing as well. The right rate balances building your balance with what you can comfortably afford. We'll also make sure you're contributing enough to receive the full annual Government contribution.
Is it worth switching KiwiSaver providers?
Sometimes. Fees, fund options, service and performance vary between providers. Switching isn't always necessary, but it's worth reviewing periodically to make sure your provider and fund still suit your goals. We can help you compare and decide whether a change makes sense.
Do you charge for KiwiSaver advice?
We'll always explain any costs clearly before you commit to anything. Your initial consultation is free and there's no obligation to proceed.
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Free initial consultation · No obligation