KiwiSaver Portfolio Review & Optimisation
Is Your KiwiSaver Working as Hard as You Do?
You’ve been contributing to KiwiSaver for years. But is it actually growing effectively?
If your fund is underperforming or your fees are too high, you could be missing out on tens of thousands of dollars in compound growth by retirement.
- Professional Diagnostic: We benchmark your current fund against market leaders to ensure you are positioned for maximum growth.
- Fee Analysis: A 1% difference in fees or returns can impact your final balance by over $100,000 over a lifetime.
- Independent Advice: We aren't tied to one bank or fund. We compare multiple providers to find the best fit for you.
The Details
Advice Cost | Upfront Advice & Switching Fee | Ongoing Advice & Service Fee | Timeframe |
|---|---|---|---|
$0 (Free) | $0 - $400 | 0.20% - 0.50% p.a. | 10 - 15 Business Days |
Initial discovery, analysis & recommendation. | One-off fee (varies by provider). | Fee for active management (varies by provider). | To complete the provider switch. |
Your KiwiSaver Review: Analysed, Benchmarked, and Optimised
Snapshot: Where are you now?
We start by reviewing your current KiwiSaver setup, including your provider, fund type, contribution rate, and Prescribe Investor Rate (PIR). We assess whether your KiwiSaver strategy is aligned with:
- Your goals
- Your risk tolerance
- What matters most to you
We also compare your KiwiSaver’s fees and performance against the wider market to understand the value you’re currently receiving.
Outcome: A clear understanding of how your KiwiSaver is positioned today and how it compares to similar options in the market.
Scenario: Where Could You Be?
Next, we run live projections to show how different options could impact your future KiwiSaver balance to help you achieve your first home sooner and ensure you are on track to a comfortable retirement. We walk through this together in a 15–30 minute KiwiSaver Strategy Session, so you can see the numbers and assumptions in real time.
Outcome: A clear picture of your options, including an estimate of:
- Your projected KiwiSaver balance at retirement
- What income it could provide
- Whether it's enough to achieve your ideal retirement lifestyle.
This helps you assess whether your current path is likely to support the lifestyle you want.
Strategy: How We Get You There?
We present a personalised KiwiSaver strategy, tailored to your goals, risk profile, and preferences. This includes:
- A clear recommendation
- Simple, practical steps you can take today
Whether that involves changing your provider and fund, adjusting contributions, or refining your overall approach, we make the process straightforward.
If you’re happy to proceed, we handle the full implementation for you (including paperwork and next steps) so your strategy is set up correctly from day one. We then review your KiwiSaver strategy annually, ensuring it stays aligned with your goals, circumstances, and market conditions.
Outcome: A fully implemented KiwiSaver strategy with ongoing annual reviews — giving you confidence your plan remains on track.
The Cost of "Set and Forget"
KiwiSaver is likely to be one of your biggest assets outside of your home, yet most people treat it like a bank account rather than an investment portfolio.
I don’t just look at the balance; I look at the engine driving it. I analyse the fund performance, the fee structure, and the asset allocation to ensure it aligns with your timeline.
What This Service Is:
- Performance Benchmarking: Comparing returns against top NZ performers.
- Risk Alignment: Ensuring you aren't stuck in "Conservative" when you have 20 years to grow.
- Transparency: Showing you exactly what fees you are paying.
What This Service Is Not:
- A Sales Pitch: If you are already in a high-performing fund, we will tell you to stay put.
- Complex Jargon: We explain everything in plain English.
Why Review Your KiwiSaver Now?
I haven't checked my fund in 5 years.
Default funds were designed to be "safe," not high-growth. If you never made an active choice, you might be in a fund that is too conservative for your age, costing you significant growth.
My balance is getting serious.
When you had $5,000, fees didn't matter much. Now that you have $50,000+, a 1% fee difference is a significant annual cost. It pays to ensure you are getting value for money.
I want to make sure my tax is right.
If your Prescribed Investor Rate (PIR) is wrong, you could be overpaying tax that you can't claim back. We check this as a standard part of our review to ensure you aren't losing money unnecessarily.