KiwiSaver
Helping you and your loved ones future grow
Why KiwiSaver matters
KiwiSaver is a simple but powerful way to build financial security for your future. It helps you put money aside consistently, with contributions from you, your employer, and the government—all working together to support your long-term goals.
Many people wonder:
- Am I contributing enough to be comfortable in retirement?
- Is my money invested in the right fund for my life stage and risk level?
- Could I be growing my KiwiSaver balance faster without taking unnecessary risk?
- Am I making the most of my first-home withdrawal or government contributions?
With the right KiwiSaver setup, you can feel confident that your money is working as hard as it should, both now and for the future.
Your Coversure adviser can help you understand how KiwiSaver works, check whether your current fund still suits your circumstances, and make sure you’re on track to meet your goals. We cut through the complexity and explain your options clearly—so you can make informed decisions with confidence
Are You in the Right Fund?
Not all KiwiSaver funds are the same, and the fund that suited you a few years ago may not be right for you today.
Many people ask:
- Is my KiwiSaver invested too conservatively—or too aggressively—for my age?
- Could my balance be growing faster with a different fund?
- Do I understand where my money is actually invested?
Your fund choice plays a major role in how your KiwiSaver balance grows over time. Being in the right fund for your life stage and goals can make a meaningful difference to your long-term outcome.
Your Coversure adviser can review your current fund, explain your options clearly, and help you decide whether a change could better support your future plans.
Making the Most of Your Contributions
Small decisions around KiwiSaver contributions can have a big impact over time.
This includes understanding:
- Whether you’re contributing enough to maximise your benefits
- How employer and government contributions work
- What contribution level makes sense alongside other financial priorities
With the right structure in place, KiwiSaver becomes a simple and effective way to build long-term wealth—without requiring constant attention.
Your Coversure adviser helps ensure you’re getting the most from KiwiSaver, while making sure it still fits comfortably within your wider financial picture.
KiwiSaver for First Homes and the Future
KiwiSaver isn’t just about retirement—it can also support important life milestones along the way.
For many Kiwis, it raises questions like:
- Can I use my KiwiSaver to help buy my first home?
- What do I need to know before making a withdrawal?
- How will using my KiwiSaver today affect my future?
Understanding how KiwiSaver fits into your longer-term plans helps you make confident decisions, whether you’re buying your first home or planning ahead for retirement.
Your Coversure adviser can guide you through the rules, timing, and implications—so you can move forward with clarity and confidence.
Our partners
Proudly working together with:
Disclosure Statement
We believe you should only work with an insurance adviser who openly shares their Disclosure Statement for Personal Insurance Risk. It provides transparency around the company’s operations and remunerations.