For most New Zealanders, KiwiSaver will be their first introduction to investment. It’s a great tool to save for your retirement and it can also help you get into your first home. However, as with any investment, there are things you can do to make your money work harder for you.

With over 3 million Kiwis in KiwiSaver, it doesn’t matter if you’re just starting out or if you’re already an experienced investor, it’s crucial to choose the right fund type and provider to help you achieve your long-term financial goals. In this article, we’ll talk about why it’s important to find the perfect fit for your KiwiSaver, so let’s dive in!

Fund type: What suits you best?

Let’s talk about the different fund types available: conservative, balanced, and growth. It’s all about finding the one that matches your comfort with risk, investment horizon, and financial objectives. If you prefer a steady and low-risk approach, conservative might be your go-to. If you’re willing to embrace some fluctuations for potentially higher returns, balanced or growth funds may be a better fit. Remember to consider your own financial goals and how long you have until retirement.

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Provider power: Choosing wisely

Picking the right KiwiSaver provider is key. You want one that aligns with your values and offers the services you need. Keep an eye on factors like fees, past performance, investment expertise, and customer service. A Financial Adviser can help you compare different providers and see what each has to offer. Remember, it’s your hard-earned money we’re talking about, so choose a provider that has your best interests at heart.

Seeking expert advice: A wise move

Sometimes the economic environment or market trends can prompt investors to change their risk profile, or consider changing their fund type.

Seeking professional advice from a financial adviser can provide valuable insights tailored to your unique situation. At Apex we have a KiwiSaver Specialist that can help you assess your circumstances, risk tolerance, and investment goals. We will provide good information so you can make good decisions. Together, we can navigate the complexities of KiwiSaver and ensure you’re on the right track.


Do you want to unlock KiwiSaver success? Contact us on 0800 809 009 or clientsupport@apexgroup.co.nz.