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Kiwisaver

Generalised KiwiSaver Advice

KiwiSaver is a voluntary, retirement savings scheme designed to help you buy your first home quicker and reach financial freedom when you retire.

It's a tax-advantaged savings scheme and offers benefits like no other, such as the Government Contribution and Employer Contributions. And gives you access to award-winning providers to manage your money while its held safely in trust.

We'll assess your risk profile and timeframe for investment, help expand your knowledge through education, show you how KiwiSaver can work for you, review your PIR rate, and introduce you to why fund choice is so important. Then assist you in finding the best KiwiSaver Provider and Fund out of our Specialist KiwiSaver Schemes. We'll also help you optimise your contributions and ensure you're on track to reach your retirement savings goal.

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Assumption

This graph is for illustrative purposes only to help you understand how different investment choices may affect KiwiSaver savings. The figures and data may not reflect actual returns and balances. Please note that returns may be negative for any given period and will fluctuate due to investment and other risks. This includes the risk of not getting back all of the money that you put in.

The figures used in these graphs are based on assumptions consistent with those used on sorted.org.nz and are as follows:

  • There is the option to have the balances adjusted to take into account inflation. This is based on a rate of 2% so that results are shown in today’s dollars.
  • Employer contributions of 3% of the stated before-tax salary are taken into account after deduction of employer’s superannuation contribution tax at the current applicable rates.
  • Government annual contributions are applied based on the current contribution of 50 cents for every dollar of member contributions up to a maximum of $1,042.86 per annum.
  • Salaries will increase by 3.5% each year (1.5% increase plus 2% for inflation).
  • You do not take any savings suspensions.
  • No amounts are withdrawn for any purpose.
  • The after-fee returns used are based on the sorted.org.nz KiwiSaver Calculator.
  • The fees used in the calculation are based on the 5 year average fee for each fund type as a percentage from sorted.org.nz.
  • All calculations are based on annual member and employer contributions.
  • PIR rate used assumes 2 consecutive years of the current annualised salary.
  • All figures are based on a PIR rate of 28%. The assumed rate of return used for each fund type choice is outlined below. These returns are after all fees and taxes.
FUND TYPE INVESTMENT RETURN (PER ANNUM)
Defensive 1.5%
Conservative 2.5%
Balanced 3.5%
Growth 4.5%
Aggressive 5.5%

To be eligible, you must be 18 years or older and mainly live in New Zealand. If you don’t meet these requirements, the maximum annual government contribution you’ll get will be based on the time you are eligible.

Let us help you plan and reach your KiwiSaver goals.

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Your Journey, Covered.

From your first job to retirement, life’s milestones come with important decisions. Our comprehensive road map helps you navigate every stage with the right insurance and financial planning—tailored to protect what matters most.