Bitcoin’s Time?

Bitcoin’s breaking records while the world gets shakier. To some, it’s digital gold — a lifeline in uncertain times. To others, it’s still a gamble that is destined to end in tears.

Get the facts. Decide for yourself.

Bitcoin is highly volatile and not suitable for all investors. Before investing part of your KiwiSaver balance in the Bitcoin fund, ensure you fully understand the risks associated with cryptocurrencies: https://shorturl.at/U6Mkp. and/or consider seeking financial advice. Past performance is not a reliable indicator of future performance. Returns are not guaranteed, and investment values may fluctuate over time.

NZ Equities

Core Growth Funds

+2.78%

US Equities

Core Growth Funds

+14.49%

Emerging Markets

Core Growth Funds

+8.43%

Rest of World

Core Growth Funds

+10.33%

NZ Property

Specialty Growth Funds

-8.06%

Clean Energy

Specialty Growth Funds

-13.54%

Bitcoin

Specialty Growth Funds

+53.07%

Strategic High Growth

Specialty Growth Funds

-2.8%

Cash

Core Income Funds

+2.71%

Fixed Interest

Core Income Funds

+1.26%

Bitcoin was built for this

Money supply has grown 27% in the past 5 years

Back in 2008, Satoshi Nakamoto - the mysterious creator of Bitcoin, saw it coming. He believed governments would keep printing money unchecked, triggering inflation and eroding the value of everyday currency. That’s why Bitcoin was hard-capped at 21 million coins — a digital hedge against inflation that no politician could manipulate. 19.8 million of those coins have already been mined.

Fast forward to 2025, and Satoshi’s vision couldn’t be more relevant. Global money supply has ballooned by 27% in just five years. Governments are printing at unprecedented levels. We’ve already weathered an inflation shock, and signs point to persistently high inflation for the foreseeable future.
Bitcoin wasn’t a guess. It was a warning, and a plan.

Losing faith in the Dollar

Countries around the world are rethinking where they store their wealth, especially when it comes to US dollars and government bonds. When Russia had its reserves frozen during global conflict, it sent a clear message: traditional financial systems aren’t as secure as we once believed.

Now, governments are exploring new ways to protect their money.
Bitcoin is standing out — it's decentralised, borderless, and immune to political interference. In a world where safety is no longer guaranteed, Bitcoin is becoming a powerful hedge.

Gold is already soaring as a safe haven , but Bitcoin could be the digital version, with even greater potential.

History has its warnings

We’ve Seen This Before.

History is full of moments when a shiny new asset promised to change everything — from tulips in the 1600s to tech stocks in the early 2000s. Each time, the hype was massive… and the crash, unforgettable.

Bitcoin might be the latest in that long line of "next big things." It’s exciting, yes — but also highly speculative, largely unregulated, and comes with a real risk of ending up worthless. Compared to traditional assets, the volatility is extreme.

That’s why Bitcoin should only ever be a small part of a well-balanced portfolio. Know what you’re getting into before you jump. Learn more about the risks of investing in Bitcoin with our trusted KiwiSaver advisors.

Key Risks of Bitcoin

Highly volatile asset

Bitcoin and other cryptocurrencies are highly volatile assets that have experienced significant and rapid value swings.

Lack of fundamental valuation

Traditional investments often have underlying assets that can be used to estimate their value. Bitcoin being relatively new and lacking intrinsic value, can be challenging to value based on traditional metrics.

Regulatory risks

Governments and regulatory bodies worldwide are still figuring out how to regulate Bitcoin. Changes in regulations or the introduction of new laws can impact the value and use of Bitcoin.