Choose a Pulse Advice
KiwiSaver Adviser

The Sooner You Sort It, the Better It Works

KiwiSaver isn't just about retirement; it's about making smart moves now so that your future self will thank you for it. Whether you're just getting started or want to ensure your settings are working for you, we'll help you gain a clear understanding of your options and feel confident about your plan.

Book A Consultation
  • How KiwiSaver Works
  • Fund Types
  • First Home Buyers
  • Retirement

Need KiwiSaver Advice?

Here's How It Works

KiwiSaver is a long-term savings scheme where you contribute, your employer contributes, and the government also contributes. You can use it to buy your first property or grow a retirement fund, and the earlier you get it working for you, the better off you'll be.

Choosing A Fund That Fits

Not all KiwiSaver funds are created equal. Some grow faster but carry more risk, others are steadier but slower. We’ll help you select a fund that aligns with your goals, timeline, and level of comfort with market fluctuations.

Common Fund Types

Aggressive Fund. Best suited for those who have time on their side, if retirement is a long way off. This high-risk investment fund aims to grow your money over time by investing primarily in assets such as shares. It can fluctuate in the short term, but it typically pays off if you're investing for the long term. 

Balanced Fund. If you're unsure how much risk you're comfortable with or if your goal is a few years away, this is a good middle ground. This medium-to-high-risk investment fund is a diversified mixture of shares, bonds, and cash. Simply put, you're not putting all your eggs into one basket. 

Conservative Fund. The safest option if you're planning to use your KiwiSaver soon. It doesn't grow quickly, but the benefit is that your funds fluctuate less. This lower-risk investment is placed in assets that don't fluctuate significantly in value, such as cash or government bonds.

First Home Buyers

Buying your first house is an exciting time, and if you have a proper plan in place, using your KiwiSaver can be a game-changer. There's a process to follow, and you want to ensure you get a few things right from the start.

Here are a few helpful tips to make the most of your contributions on the path to ownership:

Tips

Check your eligibility early. Don’t wait until you’ve found a house, make sure you qualify for KiwiSaver withdrawal and the First Home Grant upfront.

Get your fund working for you. The wrong fund could slow you down. Make sure your money’s in the right risk level for your timeline.

Have your paperwork ready. You’ll need items such as identification, proof of contributions, and pre-approval. Get it sorted early to avoid delays.

Talk to someone. We can guide you through the KiwiSaver process and connect you with trusted mortgage advisers to assist with the rest.

Contact Us

Retirement

Whether it's only a few years away or you've still got a while to go, retirement may feel far off, but the choices you make today can have a big impact on your future. Here are a few simple ways to make your KiwiSaver work harder for your retirement goals:

Tips

Start early, even small. The earlier you contribute, the more time your money has to grow, even if it’s just a little each pay.

Don’t ignore your fund type. Your risk level should match how far away retirement is. Too conservative and you could miss out.

Take advantage of government contributions. Contribute regularly, and you’ll likely qualify for a government top-up, a simple way to boost your savings over time.

Review regularly. Life changes, income changes, and goals change. Check in once a year to ensure your KiwiSaver still meets your needs.

Why should I be in KiwiSaver?

Because it’s one of the easiest ways to build wealth in New Zealand.

Your employer contributes, the government usually adds a top-up, and your money gets invested, all while you get on with life. Whether you’re saving for a home or planning for retirement, KiwiSaver is one of the few tools that work in your favour if you set it up properly.

The value of expert KiwiSaver advice

If you're feeling overwhelmed, you're not alone. KiwiSaver isn't a one-size-fits-all solution, which is why we believe in personalised advice tailored to your specific needs and goals.

We listen to your goals

Everyone's journey is different, so we listen first to understand yours. It's all about building a plan that fits you, not the other way around.

We keep things simple

Discussing money doesn't have to be complicated. We break things down in a way that's easy to understand, without using jargon or overwhelming you.

We believe in clear communication

Honest conversations are at the heart of what we do. There is no such thing as a silly question, and no hidden agendas. Just advice you can trust.

FAQs

FAQs
Yes. If your current fund isn’t performing well or doesn’t match your aspirations and risk level, you can switch. The key is knowing why you’re changing and where you’re switching to; that’s where we can help, so you’re not jumping out of the frying pan and into the fire.
If you’ve been contributing for at least three years, you may be eligible to withdraw most of your KiwiSaver to put toward a first home. You could also qualify for the First Home Grant. There are a few key steps to follow, such as submitting your paperwork early, but we’ll guide you through it all and help you maximise what’s available.
It depends on how far away your goal is (like buying a home or retiring) and how comfortable you are with risk. Aggressive funds are suitable for long-term growth; conservative funds are better if you need the money soon. We’ll walk you through the options and help you select a fund that aligns with your timeline and comfort level.

Talk To An Adviser Today

Worried about choosing the right fund or confused about how KiwiSaver works for your first home or retirement? We're here to help. Get honest, personalised advice from experts who speak your language and understand your aspirations.

Let's get you started on the right track today.

Get In Touch

Book Free Consultation

Fill out the form below, and we'll arrange a consultation at a time most suitable for you.