Your contribution rate
3.5% (the default), 4%, 6%, 8% or 10% – and what each choice means by retirement.
How we can help
Picking a good fund is only half the story. What you'll actually have at 65 depends just as much on how much goes in, how much help you claim from your employer and the Government, and whether your fees are buying real value. We help you pull every one of those levers.
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Every situation is different. We'll talk through what's relevant to you – here's the ground we can cover.
3.5% (the default), 4%, 6%, 8% or 10% – and what each choice means by retirement.
How we can helpMake sure you're getting the full employer match you're entitled to.
How we can helpA free annual top-up if you contribute enough – don't leave it on the table.
How we can helpPrice is what you pay – value is what matters. We check both, after fees.
How we can helpNo employer match? Here's how to make KiwiSaver work for you.
How we can helpIs your KiwiSaver coming out of your pay rather than on top of it?
How we can helpYou can pick a fund yourself – but you'd be guessing at your risk level, comparing providers on your own, and easy to forget about for years. We do the legwork, explain the trade-offs, and stay with you for the long run.
How we helpWe're not tied to one provider – we compare KiwiSaver funds across the market to find what genuinely fits you.
No jargon. We explain risk, fees and returns clearly so you can make a confident decision about your future.
Your fund should keep up with your life. When something shifts – a pay rise, a new job, a house on the horizon – we look at it again with you.
Tell us a little about your situation and we'll take it from there – no pressure and no jargon.
Auckland-based · independent KiwiSaver advice