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 | Switching Fee | Managed Service Fee | Timeframe |
|---|---|---|---|
$0 (Free) | $0 - $150 | 0 - 0.2% p.a. | 2-10 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
Step 1: The Diagnostic & Benchmark
We review your current provider statement to understand your fund selection, PIR tax rate, and contribution history. We then measure your fund against similar funds from New Zealand's top providers (like Milford, Fisher Funds, Generate, etc.) to see exactly how it stacks up.
Step 2: The Optimisation Report
We present a clear, simple report showing potential improvements. We highlight the specific data, such as how switching to a different fund could save you in fees or how much more it has historically returned per annum compared to your current setup.
Step 3: Recommendation & Implementation
We provide a clear path forward: either retain your current fund or switch to a better option. If you decide to switch, we handle the entire transfer process digitally—meaning no paperwork and no hassle for you.
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.