KiwiSaver

How much could you be missing out on each week by neglecting your KiwiSaver?

With the right advice, you could potentially earn hundreds of thousands more, without any extra investment. Call us now—your investment compounds daily, so every day counts.

 

 

Very few KiwiSaver members have an adviser. If you're in that group, take a few minutes to read how we can support and guide you—then give us a call.

We’ve realised the importance of providing KiwiSaver advice to our clients, much like we do for mortgages. That’s why we work with leading KiwiSaver providers such as Milford, Booster, Generate, and ANZ to ensure you’re in the best possible position.

This is becoming increasingly crucial as there’s talk that New Zealand Superannuation may become means-tested in the future, with the government potentially unable to sustain payments for everyone. So, it’s essential to take control of your financial future today.

Request your KiwiSaver review today

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What kind of returns should you expect?

Below, we've highlighted the average return for each KiwiSaver fund type, as well as the lowest and highest returns within each category. The difference in returns between the highest and lowest providers within a single fund type can lead to a difference of hundreds of thousands of dollars—let alone the differences between various fund types.

Average Returns per Fund Type (Past 10 Years, After Fees, Before Tax) as of June 2024:

  • Aggressive – 9.10% (Provider returns range from 7.40% to 11.10%)
  • Growth – 8.20% (Provider returns range from 6.80% to 10.50%)
  • Balanced – 6.70% (Provider returns range from 4.80% to 6.70%)

With 22 providers offering 291 KiwiSaver products, it's worth noting that of the $110 billion invested in KiwiSaver funds, around 50% is managed by KiwiSaver schemes owned by banks. Despite this, banks feature in only one of the top five performing funds for Growth and Aggressive categories, two for Balanced, three for Moderate, and none for Conservative.

5 questions
to determine if you need KiwiSaver advice.

  • Why did you choose your current KiwiSaver provider?

  • Do you know which fund type you are invested in and why?

  • Did you receive any advice and complete a risk assessment when you set up your KiwiSaver?

  • Are you aware of how your fund is performing compared to similar fund types?

  • Do you have an estimate of what your fund might be worth at retirement?

We follow a straightforward process to ensure you are fully informed about your current KiwiSaver provider’s performance compared to its peers. We also cover different fund types, explain market volatility, and how it has impacted the markets over the past 50 years.

Once you have a clear understanding, we conduct a risk assessment before recommending a KiwiSaver provider that best suits your needs and goals. For clients interested in Socially Responsible Investment (SRI), we offer top-performing funds in that area.

After recommending a provider and fund type, we forecast an estimated fund value upon retirement based on the recommended fund’s performance over the past 10 years. While this forecast does not guarantee future returns, it provides a realistic outlook, and we update these forecasts during our ongoing reviews.

With this information, we can determine if you are on track to meet your goals. If not, we’ll show you the impact of increasing your contributions, which can significantly affect your long-term outcomes.

Finally, we prepare a statement of advice documenting the entire process. This document serves as a reference throughout our regular reviews, helping us monitor fund performance and ensure you stay aligned with your retirement goals.

KiwiSaver
review process.

Our comprehensive roadmap to assessing, adjusting and improving your KiwiSaver plan.

  • Reviewing your current KiwiSaver performance

    We'll start by taking a close look at how your KiwiSaver fund is performing right now. This means examining your returns, fees, and overall growth to see if your current plan is meeting your financial goals.

  • Exploring fund options and market trends together

    Next, we'll discuss the different types of funds available and how they’ve performed historically. We’ll review market trends and volatility to help you understand which fund might be best for your long-term investment strategy.

  • Assessing your risk tolerance

    We’ll carry out a risk profiling exercise to gauge your comfort level with various investment risks. This step ensures that your KiwiSaver investments align with your personal risk tolerance and financial objectives.

  • Providing tailored recommendations

    Based on our review, I'll provide you with tailored recommendations to optimise your KiwiSaver plan. These suggestions will be customised to fit your specific needs and help you achieve your retirement goals.

  • Forecasting and adjusting your contributions

    Together, we’ll forecast the potential future value of your KiwiSaver fund and determine if your current contributions are on track. If needed, we’ll advise on adjustments to ensure you’re contributing the right amount to meet your targets.

  • Delivering a clear statement of advice

    We’ll provide you with a comprehensive statement of advice that documents our entire review process. This will include all the recommendations and decisions made, giving you a clear understanding of the steps we’ve taken.

  • Planning for regular reviews

    Finally, we’ll set up a schedule for regular reviews of your KiwiSaver account. This ensures that we stay on top of any changes in your personal circumstances or market conditions, keeping your investment strategy on track.

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