Evergreen guides to the questions Kiwis ask most. No jargon, no sales pitch – just the things worth understanding about your KiwiSaver.
KiwiSaver made simple – contributions, the employer and Government top-ups, your fund, and when you can take the money out.
ReadConservative to aggressive, and how your timeframe and your nerve decide which KiwiSaver fund is right for you.
ReadIf you were auto-enrolled and never chose a fund, you might be in a default fund that doesn't suit your goals. Here's how to tell – and what to do.
ReadEach year the Government tops up your KiwiSaver if you contribute enough. Here's who qualifies and how to make sure you claim the full amount.
ReadWhat KiwiSaver fees actually pay for, why cheap isn't automatically better, how performance fees work, and the one habit that matters most – always judging returns after fees.
ReadWho qualifies, how much of your KiwiSaver you can withdraw, what replaced the First Home Grant, and the fund trap to avoid before you buy.
ReadNo employer match doesn't mean KiwiSaver isn't worth it. How self-employed Kiwis and contractors can set contributions, claim the Government top-up, and stay on track.
Read3.5%, 4%, 6%, 8% or 10% – what your KiwiSaver contribution rate actually changes, and how to pick a rate that's ambitious but still liveable.
ReadSwitching KiwiSaver funds or providers is usually free, takes minutes to set up, and your money stays invested. Here's the step-by-step and the traps to avoid.
ReadTurning 65 doesn't mean cashing out. Your choices at 65 – withdraw, stay invested, or draw a regular income – and how to make your balance last.
ReadWhat's actually inside a KiwiSaver fund? The four main asset classes – cash, fixed interest, property and shares – and how conservative, moderate, balanced, growth and aggressive funds typically combine them.
ReadYour prescribed investor rate (PIR) decides how much tax you pay on KiwiSaver investment returns. The current rates and income thresholds, how to work yours out, and why the wrong PIR costs you money.
ReadWhat counts as significant financial hardship, who decides your application, what evidence you need, and the part of your balance you cannot withdraw no matter how bad things get.
ReadThe trans-Tasman rules if you have moved back from Australia – which funds can transfer, the tax treatment, and the three restrictions that follow your Australian money into KiwiSaver for good.
ReadWhat every KiwiSaver default fund already excludes by law, how ethical, responsible and sustainable funds differ from each other, and the questions that separate a real policy from a marketing line.
ReadNo 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