There is now almost half a trillion dollars invested across KiwiSaver and managed funds in New Zealand, a sign of just how much Kiwis are putting aside for their futures.
KiwiSaver alone reached $129.1 billion in June 2025, up more than 11% over the past year, boosted by strong market performance. Managed funds are also on the rise, with total funds under management hitting $328.2 billion at the end of March 2025, up 1.2 % for the quarter and 10.9 % over the year.
These results are encouraging, but market conditions can shift, so it is wise to make sure your investments and savings plan are right for your goals and stage in life.
Your safety net for life’s surprises
Long-term investments like KiwiSaver and managed funds are intended to grow over time. But life can change quickly, whether it’s a job loss, illness, or an unexpected cost.
Having an emergency fund means you don’t have to sell your long-term investments at a bad time. That keeps your plan on track and gives you peace of mind.
Useful tips to get more from your money
A smart financial strategy helps you protect what you have, own your future, and grow your wealth, here are a few simple yet powerful steps to get started.
- Review your KiwiSaver and managed funds to ensure your investments fit your time frame and how comfortable you are with ups and downs in the market.
- Consider growing your managed fund holdings it can improve your diversification.
- The difference can be significant. For example, based on Sorted’s KiwiSaver calculator, a 25-year-old contributing 3 % until age 65 could end up with around $291,082 in a conservative fund. In a growth fund, the same contributions over the same period could grow to about $498,505, more than $200,000 extra, simply from choosing a fund with higher long-term growth potential.
- Balance debt repayment (like your mortgage) with contributions to your KiwiSaver or managed funds.
- Make sure your insurance cover works with your overall plan, so your protection grows alongside your investments.
- Build an emergency fund that covers at least three months of essential living costs.
How we can help
We have been helping clients achieve financial confidence by:
- Helping you choose the right fund for your goals
- Optimising contributions to fuel growth
- Creating a personalised plan to keep you on track
- Accessing exclusive investment options available only through financial advisers.
Money Month is a great time to check in, fine-tune your KiwiSaver, diversify your managed funds, and strengthen your emergency buffer.
Book a free, no-obligation review with one of our advisers today and make sure your investment strategy is working for you.
Wherever you are on your investment journey, we can help.
Please fill in the form below with your contact details and one of our advisers will get in touch in 24 hours.
"*" indicates required fields
