First Home Goals
We can help you understand how KiwiSaver may fit into your first home plans and investment timeframe.
KiwiSaver Advice
Make your KiwiSaver work harder for your future
Whether you are buying your first home, planning for retirement, or simply wondering if your current fund still suits you, our advisers can help you understand your options with clarity and confidence.
Licensed financial advice
No-obligation conversation
Ongoing adviser support
Your KiwiSaver Review
Understand where your KiwiSaver is heading.
A personalised review can help you understand whether your current KiwiSaver arrangements still align with your goals.
01
Your current provider and fund
02
Your goals and investment timeframe
03
Your attitude toward investment risk
04
Your KiwiSaver contribution settings
KiwiSaver is an investment, and its value can rise or fall. Recommendations are based on your goals, timeframe and personal circumstances.
KiwiSaver Explained
What is KiwiSaver?
KiwiSaver is a voluntary savings scheme designed to help New Zealanders save for retirement and, in some cases, their first home.
Your KiwiSaver savings are invested by your provider in the fund you have selected. The value can rise or fall depending on investment performance, fees and market conditions.
In simple terms:
KiwiSaver can help you build long-term savings through your
own contributions, employer contributions, government
contributions if eligible, and investment returns.
How Your Savings Can Grow
01
Your contributions
Regular deductions or voluntary payments you make to your KiwiSaver account.
02
Employer contributions
If eligible, your employer generally contributes while you are contributing through your pay.
03
Government contributions
Eligible members may receive an annual government contribution based on their own contributions.
04
Investment returns
Your provider invests your savings, and investment returns can be positive or negative.
Small decisions can make a big long-term difference
Your provider, fund type, risk level, fees, and investment timeframe can all affect your long-term outcome. Advice helps you understand whether your current KiwiSaver settings still match your goals.
Advice Shaped Around You
Why KiwiSaver advice matters
Many people join KiwiSaver and never review it again. But your life, goals and financial situation can change over time.
Right Fund Type
Your fund should reflect your goals, risk comfort, age, and how long you plan to invest for.
Clear Guidance
We explain your options in plain language so you can make informed decisions with confidence.
A KiwiSaver review helps you make an informed decision based on your circumstances. It does not guarantee a particular investment return.
Time for a Review?
When was the last time you reviewed your KiwiSaver?
If any of these sound familiar, it may be a good time to review your KiwiSaver.
Book a KiwiSaver ReviewYou do not need to know which provider or fund is right before speaking with us.
You are planning to buy your first home
You have changed jobs or income
You are unsure which fund you are in
You have not reviewed your KiwiSaver in 3+ years
You are getting closer to retirement
Our Provider Network
KiwiSaver providers we work with
We work with a selection of well-known KiwiSaver providers in New Zealand. Your adviser can help explain the strengths and considerations of each option based on your personal goals and circumstances.
Milford
Milford offers actively managed KiwiSaver funds designed to help members grow their wealth over the long term through a range of diversified investment options.
Generate
Generate is a New Zealand-owned KiwiSaver provider focused on helping members build long-term financial wellbeing through a range of investment solutions.
NZ Funds
NZ Funds provides investment and KiwiSaver solutions designed to support different financial goals, life stages and investment timeframes.
Fisher Funds
Fisher Funds is one of New Zealand’s largest specialist investment managers, offering KiwiSaver and managed investment options to help members plan for the future.
Swipe to view more providers →
The providers shown are not ranked. Any recommendation will depend on your goals, circumstances, investment timeframe and attitude towards investment risk.
Our Advisers
Meet our KiwiSaver advisers
Our advisers can provide KiwiSaver and investment guidance to help you make confident long-term financial decisions.
Imran Mohammed
Managing Director / Senior Financial Adviser
Imran provides personalised KiwiSaver, investment, personal insurance and business protection advice to help clients make confident long-term financial decisions.
Kaden Bale
Financial Adviser
Kaden supports families with KiwiSaver, investment and personalised insurance advice, helping clients understand their options in clear and practical terms.
Jack Brown
Financial Adviser
Jack helps people make informed financial decisions through practical KiwiSaver and insurance guidance tailored to their goals and circumstances.
Joyce Huang
Senior Financial Adviser
Joyce provides tailored KiwiSaver, investment and insurance guidance with a client-first approach. She speaks English, Mandarin and Cantonese.
Not sure which adviser to contact?
Send a KiwiSaver Enquiry
Send us an enquiry and we’ll connect you with a team member suited to your needs.
Helpful Information
Common KiwiSaver questions
Clear answers to some of the questions our advisers are frequently asked about KiwiSaver.
Can I change KiwiSaver providers?
Yes. You can change your KiwiSaver provider if another option better suits your goals and circumstances. However, you can only belong to one KiwiSaver scheme at a time.
Before changing, it is important to consider the available funds, fees, services, investment approach and whether the provider is appropriate for your needs.
How often should I review my KiwiSaver?
It is useful to review your KiwiSaver when your goals, income, life stage or investment timeframe changes.
You may also wish to review it if you have not checked your provider, fund, fees or investment settings for several years.
Can KiwiSaver help with a first home?
Eligible members may be able to use their KiwiSaver savings towards a first-home purchase, subject to the applicable rules and eligibility criteria.
Your investment timeframe is especially important if you are planning to use your KiwiSaver savings for a first home in the near future.
Which KiwiSaver provider is best?
There is no one-size-fits-all answer. The right provider and fund depend on your personal situation, goals, timeframe and attitude towards investment risk.
A financial adviser can help you compare your options and understand the considerations that may be relevant to you.
KiwiSaver rules and eligibility requirements can change. For current general information, visit Inland Revenue’s KiwiSaver information .
Your Next Step
Not sure if your KiwiSaver is still right for you?
Book a KiwiSaver review with Peace of Mind Advice and receive clear, personalised guidance based on your goals, circumstances and investment timeframe.
1
Send your enquiry
Tell us what you would like help with and provide any useful background information.
2
We’ll connect you
Your enquiry will be directed to a financial adviser suited to your needs.
3
Review your KiwiSaver
Your adviser will discuss your goals, timeframe, current arrangements and available options.
Prefer to speak with us?
Call our team directly if you would like to start the conversation over the phone.
Call 021 079 8864 →
No-obligation conversation
Personalised KiwiSaver guidance
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