Personalised KiwiSaver Advice
Make your KiwiSaver work harder for your future.
Whether you’re saving for your first home or planning for retirement, choosing the right KiwiSaver provider, fund and contribution strategy can make a significant difference.
At Lifestyle Cover, we help you understand your options, review your current KiwiSaver arrangements and make informed decisions that align with your financial goals.
What is KiwiSaver?
KiwiSaver is a voluntary, work-based savings and investment scheme designed to help New Zealanders save for retirement. Eligible members may also be able to use their savings towards purchasing their first home.
Why is KiwiSaver important?
KiwiSaver can help you build long-term savings through your own contributions, eligible employer contributions and government contributions.
With different providers and investment funds available, choosing an appropriate fund for your goals, timeframe and risk tolerance is an important part of making the most of your KiwiSaver.
How can Lifestyle Cover help with your KiwiSaver?
We take the time to understand your financial goals, investment timeframe and attitude towards risk.
We'll review your existing KiwiSaver arrangements, explain your fund options, check your prescribed investor rate (PIR) and help you understand your contribution choices.
We can also recommend suitable KiwiSaver providers and funds from the schemes we advise on, helping you make informed decisions and keep your savings strategy aligned with your goals.
Assumption
*We are setting our minimum contribution assumptions at 4% for both employee and employer, in anticipation of upcoming KiwiSaver changes. See the Assumptions section for further information regarding these changes and other calculator workings.
These graphs are 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. The calculator assumes a minimum starting salary of $35,000. 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 4% of the stated before-tax salary are taken into account after deduction of employer’s superannuation contribution tax at the current applicable rates.
- Our KiwiSaver projection assumptions are based on the upcoming changes, where both employer and employee default contributions are set to gradually increase to 4%. In anticipation of this, we are setting our minimum contribution assumptions at 4% for both parties. These changes are effective from April 2026 (to 3.5%) and April 2028 (to 4%).
- Government annual contributions are applied based on the current contribution of 25 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% |
Let us help you plan and reach your KiwiSaver goals.
Choosing the right KiwiSaver fund and contribution rate can make a significant difference to your financial future.
Your KiwiSaver strategy should reflect your goals, investment timeframe and attitude towards risk. What suits you today may not be the best option as your circumstances change.
Small decisions today can make a big difference to your retirement savings.
The graph illustrates how different KiwiSaver fund choices can affect your potential savings over 30 years. While Growth and Aggressive funds may offer higher long-term returns, they also carry greater investment risk and can experience larger fluctuations in value.
At Lifestyle Cover, we provide personalised KiwiSaver advice to help you understand your options, review your current fund and make informed decisions about your financial future.
Let’s make sure your KiwiSaver is working towards your goals.
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.
