KiwiSaver check
Which fund you're in and what you pay in fees both make a real difference over time. Get a free chat with a licensed NZ adviser about whether your fund still fits your goals.
Worth knowing
The government contribution since 1 July 2025: up to $260.72 a year if you put in at least $1,042.86. Earn over $180,000 and you don't get it.
The default employee and employer rate from 1 April 2026, up from 3%. It rises again to 4% from 1 April 2028.
16 and 17-year-olds now qualify for the government contribution. From 1 April 2026 they get employer contributions too.
Source: Inland Revenue, KiwiSaver changes. Eligibility rules apply. More detail in our guide to KiwiSaver changes in 2025 and 2026.
How it works
About a minute. You don't need your statement handy.
They'll look at your fund type, fees, contributions and goals, and explain it in plain English.
If your setup already suits you, you'll hear that. If a change makes sense, you'll get full advice first, and nothing changes without your say.
Fair questions
Yes, the chat is free and there's no obligation. Advisers can be paid in different ways for KiwiSaver advice, for example by the KiwiSaver provider. Before any advice, you'll get disclosure information explaining exactly how the adviser is paid and any conflicts of interest.
A licensed NZ financial adviser who advises on KiwiSaver. Before any advice is given, they'll email you their name, licence details, the services they provide and how to complain if something goes wrong.
No. Growth funds usually aim for higher long-term returns but go up and down more along the way. If you need the money soon, for a house deposit for example, a big drop at the wrong time can hurt. The right fund depends on when you'll use the money and how you'd handle the ups and downs.
Switching funds or providers doesn't usually cost a fee, but timing matters. Selling after a market fall can lock in that loss. That's why it's worth talking it through before changing anything.
Not to get started. If you have it, or your provider's app, it helps the adviser give you a clearer picture.
