KiwiSaver Advice You Can Trust

As a qualified KiwiSaver adviser, I’m here to help you make the most of your retirement savings.
Whether you're just starting out or reviewing your current setup, getting the right advice matters and here’s why.

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Why KiwiSaver Matters

KiwiSaver is one of the most effective tools for building your long-term wealth. Not only are you contributing to your future, but your employer and the government are also chipping in:

• Employer Contributions: If you're employed, your employer must contribute at least 3% of your gross income to your KiwiSaver — on top of your own contributions.

• Government Contributions: If you contribute at least $1,042.86 between 1 July and 30 June each year, the government adds a member tax credit of $260.72 per year.
   

Choosing the Right KiwiSaver Fund

KiwiSaver is not a one-size-fits-all product. Your fund should reflect your stage of life, goals, and tolerance for risk.
I work with trusted providers such as Milford, Generate, Booster, and Pathfinder — all of whom offer a range of funds from conservative to growth options.
 

We’ll work together to understand:

• Your risk tolerance

• Your investment time horizon

• Your personal goals — such as buying your first home or preparing for retirement
   

Active vs Passive Investing

One key decision is whether to go with an active or passive investment approach:

• Active fund managers (like the ones I work with) actively seek out the best investment opportunities to outperform the market.

• Passive fund managers aim to mirror the market index with minimal intervention.

While passive funds can be cheaper, active managers may deliver better long-term returns — especially when aligned with the right fund and strategy.
 

Don’t Forget Your PIR

Your Prescribed Investor Rate (PIR) determines how much tax you pay on your KiwiSaver returns.
If it’s set incorrectly, you could be paying too much - or too little, which could lead to a tax bill. I’ll help you make sure your PIR is set correctly.

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When Can You Access Your KiwiSaver?

KiwiSaver is designed primarily for retirement savings, but there are limited situations where you can access your funds early:

• Buying your first home

• Reaching age 65

• Experiencing significant financial hardship (strict criteria apply)
   

Let’s Get It Right, Together

My job is to guide you through the KiwiSaver landscape — from selecting the right fund and fund manager, to ensuring you're making the most of employer and government contributions, while keeping your PIR and investment strategy aligned with your goals.

If you’d like help choosing the right KiwiSaver fund for your situation, get in touch — I’m here to help.