Investment People are independent Kiwi advisers for one thing: getting your KiwiSaver right. The fund that fits you, the contributions that add up, and a real adviser who keeps it on track to your first home or retirement.
A real person
who picks up the phone
The fund managers we work with
It comes down to the fund you're in, how much goes in, and lining it all up with your goals. We bring the three together under one trusted adviser.
Choosing your fund The single biggest KiwiSaver decision is which fund you're in. We help you get it right for your timeframe and your comfort with risk.
Growing your savings Your fund matters – but so does how much goes in. We help you capture every top-up and make sure the fees you pay are earning their keep.
Reaching your goals A first home, a comfortable retirement, or income once you stop work – we help you line your KiwiSaver up with the life you're aiming for.
Independent know-how and proven guidance. Here's what working with us actually looks like.
A relaxed chat about where you're at and what you're saving for – a first home, retirement, or just making sure you're not in the wrong fund. No jargon, no pressure.
We compare KiwiSaver funds across the market for your timeframe and how you feel about risk – so you're in a fund that suits your goals, not just the one you were defaulted into.
The right contribution rate, your full employer match, the Government's annual top-up, and lower fees – small tweaks that compound into a much bigger balance by retirement.
Life changes, and so should your plan. When things shift – a pay rise, a new job, a baby, a first home in sight – we look at your KiwiSaver again so it keeps pulling its weight.
Is your KiwiSaver pulling its weight – or quietly leaving money on the table? Pop in a few details and we'll show you how your fund's track record compares with a top fund in the same risk category, and what the difference could be worth by the time you hit 65. No login, no jargon.
Indicative only, using returns from the Morningstar KiwiSaver Survey. Not a recommendation to switch.
Your projected balance at 65
That's the gap. Same risk level – just a stronger fund and the right contributions.
Illustration only – your real numbers depend on your details.
We do one thing – help Kiwis get their KiwiSaver right – and we do it properly.
We compare KiwiSaver funds across the market – not just one provider's range.
Risk, fees and returns explained clearly, so you can decide with confidence.
We help you claim your full employer and Government top-ups, and make sure your fees are buying real value.
We keep your KiwiSaver in step as life and the rules change.
You'll deal with the same person who knows your goals – never a call centre.
Your information is handled securely and only ever used to give you advice.
NZ-wide
Auckland-based, advising Kiwis right across NZ
Whole-of-market
We compare funds across providers, not just one
We stay in touch
We keep your KiwiSaver on track as life and the rules change
1-on-1
Advice from a real, named adviser – not a call centre
Insurance sorted too? Our sister company Insurance People looks after life, health, income and home cover with the same straight-talking approach.
The whole scheme, decoded – contributions, the top-ups, your fund, and when you can take the money out.
Read more FundsConservative to aggressive, and how your timeframe and nerve decide which one is right for you.
Read more First homeWho qualifies, how much you can withdraw, the First Home Grant, and the fund trap to avoid.
Read moreStraight answers to what Kiwis ask us most. Still wondering about something? Just ask.
No. Investment People does not charge fees, expenses or any other amount for the financial advice we provide to our clients. Where we are paid, it is by the KiwiSaver provider – we may receive upfront and/or ongoing commission, and the rate or how it is calculated is disclosed to you before you proceed. The full detail is in our public disclosure.
We get to know your goals and timeframe, work out the right level of risk for you, compare KiwiSaver funds across the market, and help you set your contribution rate so you capture your full employer and Government top-ups. Then we stay involved, so when something changes your KiwiSaver gets looked at again rather than left to drift.
It comes down to your timeframe and how you feel about ups and downs. Roughly: the longer until you'll use the money, the more growth assets (shares) you can usually afford to hold. Many Kiwis are sitting in a conservative or default fund that's far too cautious for a 20- or 30-year horizon – which can quietly cost tens of thousands by retirement. A quick review with us tells you where you stand.
If you were auto-enrolled through a job and never actively chose a fund, you were likely placed in a balanced default fund. A default fund is a holding pen, not a recommendation – it may be far more (or less) cautious than suits your goals. If you're not sure, that's exactly the kind of thing we check for you.
Switching KiwiSaver funds is usually free and we handle the paperwork – it's typically a 10-minute job. You don't pay tax to switch, and your money stays invested the whole time. We'll only ever suggest a switch if it genuinely makes sense for your goals.
Yes – if you've been contributing for at least three years and meet the criteria, you can withdraw most of your KiwiSaver (leaving a small minimum balance) to put towards your first home. You may also qualify for a First Home Grant. We'll help you plan the timing and the fund you're in so the money's there when you need it.
Each KiwiSaver year (1 July to 30 June) the Government adds 25 cents for every dollar you contribute yourself, up to $260.72 a year – you unlock the full amount by contributing at least $1,042.86 of your own money. It's available to eligible members aged 16 to 65 with taxable income of $180,000 or less (figures current as at mid-2026 and set by the Government, so they can change – confirm at ird.govt.nz). The key thing: contribute enough to claim the full top-up, because it's free money you don't want to leave on the table.
We're Auckland-based, with offices in St Heliers and Silverdale, and we help Kiwis right across New Zealand by phone and video. Call 0800 823 823 for a no-obligation chat.
No pressure and no jargon – just a friendly conversation about your KiwiSaver, your goals, and whether you're in the right fund.
Auckland-based · independent KiwiSaver advice