Are you missing out?

Did you know 53% of Kiwis sit in the wrong KiwiSaver fund? That is over 1.5m kiwis potentially missing out on hundreds of thousands of dollars. Is that really fair?

Every Kiwi has the right to the right KiwiSaver fund. kōura will build you a personal KiwiSaver plan - matching your needs and risk tolerance. 

Your personalised KiwiSaver adviser

To design your KiwiSaver plan, we need to know a few of your details
My name is .
I am years old.
My KiwiSaver balance is approximately .
I regularly contribute to my KiwiSaver.
I contribute of my income,
and my annual pre tax income is
My annual pre tax income is
I intend to use it to purchase my first home.
I expect to purchase my home in less than years.
I make an annual voluntary contribution. of .

kōura helps make you richer, honestly!


Building the right KiwiSaver for YOU!

Getting KiwiSaver wrong could be the most expensive bad decision in your life. The wrong investment decision could result in you being hundreds of thousands of dollars worse off. kōura’s smart technology will build you a personalised KiwiSaver plan to make sure you get it right. 

You could be hundreds of thousands of dollars better off just by getting your KiwiSaver plan right.


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The difference between getting it right and getting it wrong1

$ $
Potential KiwiSaver balance at 65 with the right investment selection
Potential KiwiSaver balance at 65 with the wrong investment selection

1. Based on individual earning $80,000 / annum contributing 3% and then being matched by their employer with savings starting at age 30. Right fund selection assumes individual reviews fund annually and implements kōura recommendation. Wrong fund selection assumes individual is in default fund all the way through to 65.


A proven investment strategy to give you more

kōura is a passive investor. That means we invest in the entire market rather than try and pick individual winners. This is a tested strategy that is proven to make you more money - and if you don't believe us, other well-known investors such as NZ Super and Warren Buffet also follow this proven strategy.

For the average KiwiSaver account, a passive strategy would have made them thousands of dollars better off over the past few years. If all KiwiSaver funds had followed kōura's passive investment strategy, New Zealand would be billions of dollars richer.


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Passive returns perform better than the average KiwiSaver Fund

% %
Passive growth fund returns post fees2
Average growth fund returns post fees3

2. Morningstar KiwiSaver Report: 30 September 2019, 3 year growth fund index return less 0.63% fees
3. Morningstar 3 year average growth fund return 30 September 2019


A best in class sustainable portfolio

We all need to do our bit to ensure we live in a sustainable world. At kōura, we do that by ensuring we only invest in the things that we can be proud of.

We employ a two-step process for choosing investments, we avoid the nastiest industries in totality and then we only pick the most sustainable of the remaining companies based on extensive MSCI research.


Civilian Weapons

Controversial Weapons

Adult Entertainment




Lower fees give you more

kōura fees of 0.63% are almost half the average growth fund fee of 1.19%. For the average KiwiSaver member, these lower fees will give them over $50k more in retirement.

Not only do we give you low fees, but we also give you personalised advice, you would be silly not to grab it!!!

For anyone under 18, we will also waive our membership fee to help them get started on their savings journey.

kōura fees are almost half the industry average

% %
kōura asset based fees
Average growth fund asset based fees 4

 4. Source: Morningstar KiwiSaver Report: 30 September 2019


Working with the best

You may think that you are trusting your KiwiSaver savings to the hardworking folk at kōura. But in reality, we are investing with some of the biggest and best names in the business to deliver great outcomes for you.

We have chosen to invest our international funds invest into BlackRock funds (the worlds largest fund managers) and we build our domestic funds with Hobson Wealth (one of New Zealand's largest wealth managers).

AUT logo
Hobson Wealth logo
public trust


100% Kiwi owned & operated

Did you know that over 75% of the KiwiSaver industry is foreign-controlled? By our estimates, that’s over $350m in fees being sent offshore every year.

When’s the last time an Australian looked out for a Kiwi? It’s time to take back control of our money.


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Build your KiwiSaver plan today!

Build your KiwiSaver plan


Meet our Expert Team

Warren Couillault


Warren is New Zealand's KiwiSaver guru. And when you're running a KiwiSaver company, it's pretty great to have him on board. Warren was a crucial member of the team that created the Fisher Funds KiwiSaver scheme in 2007 and the award-winning Generate KiwiSaver scheme in 2011.

Now the CEO of Hobson Wealth Partners, one of New Zealand's largest wealth managers and a key strategic partner for kōura, Warren is also the Chairman of kōura and sits on our Investment Committee. His role is to help steer the team, making sure they continue to deliver great financial outcomes for you.

Rupert Carlyon

Founder, Managing Director

Rupert has worked in financial service roles his entire career - starting at global investment bank UBS, where he had a slew of roles in London and Auckland.

Returning to New Zealand in 2014, Rupert was disappointed to see the KiwiSaver market had not moved on since he left. Seven years on, New Zealanders were still being given the same stock-standard, three-fund offering and he could see that KiwiSaver was not really working for everyone.

See kōura at work

These profiles represent indicative customers and are not based on real people.

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