Understand where you are invested
We explain your current fund, investment mix, fees and level of risk in plain English, including what may cause the balance to rise or fall.
KiwiSaver Advice
KiwiSaver is often one of a person's largest long-term investments, but it can be easy to leave it on autopilot. We help you understand what you have, how it fits your timeframe and goals, and which choices deserve a closer look. Any recommendation is based on your circumstances and documented for you to consider.
Match the fund to your timeframe
Your goals and when you may need the money shape how much investment risk may be appropriate, including first-home and retirement timeframes.
Review contribution choices
We discuss the available contribution settings and how they may fit your cash flow and long-term plan. Current rules are checked when advice is prepared.
Connect KiwiSaver to the wider plan
We consider KiwiSaver alongside other investments, debt, home ownership and retirement income rather than treating it as an isolated account.
Process
How the advice process works.
01
Gather the facts
We review your latest statement, current fund, balance, contributions, fees and any other retirement savings.
02
Clarify the goal
We discuss what KiwiSaver is intended to support, your likely timeframe and how comfortable you are with market movement.
03
Compare the fit
We assess whether the current settings remain aligned with your needs and explain the trade-offs involved in any alternatives.
04
Written advice
You receive a documented recommendation setting out the reasons, risks, costs and next steps for you to consider.
05
Review over time
We revisit the strategy when your circumstances or timeframe change, rather than reacting to short-term market headlines.
Who it suits
Built for these situations.
- People who have never reviewed the fund they joined
- First-home buyers considering how KiwiSaver fits their deposit plan
- People approaching retirement or planning when they may access their savings
- Anyone wanting KiwiSaver coordinated with investments, debt and retirement planning
FAQs
Common questions.
Can you tell me which KiwiSaver fund is best?
There is no single best fund for everyone. Advice starts with your goals, timeframe, financial position and tolerance for investment risk before any recommendation is made.
Should I switch after markets fall?
A market fall on its own is not a reason to switch. Changing to a lower-risk fund after a decline can lock in losses, so we first look at your timeframe and whether your existing strategy still fits.
Can KiwiSaver help with a first home?
Eligible members may be able to use KiwiSaver savings toward a first home. Eligibility and withdrawal rules can change, so we check the current Inland Revenue guidance and help you understand how it fits the wider lending plan.
Useful references
Check the current rules.
KiwiSaver settings and eligibility rules can change. These independent and official sources provide current general information alongside personalised advice.
Let's get your financial future organised.
A no-obligation conversation with a Parnell-based adviser who takes the time to understand where you're heading.