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KiwiSaver & Investment Strategy

Doing Nothing Is Still a Decision.

And in finance, it can be an expensive one. The difference between default and deliberate can compound dramatically over time.

The Cost of Staying in Default

Small percentage differences lead to large long-term consequences. Consider a $20,000 starting balance with $500 monthly contributions over 10 years:
Default Fund (5% p.a.) $122,000
Aggressive Growth (11% p.a.) $166,000
The Difference: +$44,000

It’s not just a number.

That could mean a larger first-home deposit, a smaller mortgage, or years of financial flexibility.

"Not making a choice doesn't avoid risk. It simply locks in whatever path you were placed on."

General rarely builds exceptional outcomes.

Default funds are designed to be neutral. They aren’t built around your income, your risk tolerance, or your specific home-buying timeline.
  • Income
  • Risk Tolerance
  • Timeline
  • Wealth Goals

"We don't 'switch funds.' We structure strategy."

Our Approach

KiwiSaver should not sit in a drawer.

  • Assessing your true risk comfort and time horizon.
  • Aligning KiwiSaver with your first-home or investment plans.
  • Comparing providers, fee structures, and contribution levels.
  • Reassessing regularly as your life evolves.

The Stage "Build" of Your Journey

KiwiSaver doesn’t operate in isolation. Because we also structure your lending and protection, your investment decisions don’t exist in a vacuum. Everything connects.

Deposit Timeline

First Home

Lending Capacity

Borrowing

Retirement Position

Long-term

Broader Strategy

Investment

First Home Buyers

We help maximise deposit growth within your timeline, balancing risk and certainty appropriately.

Retirement Planning

We ask: How much would you actually like in that account at retirement? Then we work backwards. Without a target, you’re guessing.

Beyond KiwiSaver.

Sometimes it makes sense to allocate surplus into separate managed funds for greater flexibility. No template answers—everything depends on your time horizon and liquidity needs.

Emergency Fund & Mortgage Pivot

If you don't have an emergency buffer, this is a key pivot point. We align your buffer with your revolving credit and lending strategy.

Everything Connects.

Contribution Strategy Matters

“Strategy only works if behaviour supports it. We find the maximum you’re genuinely comfortable with to build a strategy you’ll actually stick to.”
  • Calculated After-Tax Impact

Clarity is the First Step.

One conversation could change the trajectory of your financial future. Whether you’re in a default fund or unsure entirely, clarity matters.
Book a KiwiSaver Strategy Review