Hundreds and Thousands Better Off - Your guide to KiwiSaver

06 November 2019

Buying a house and saving for your retirement are two financial decisions you need to think hard about and get right. 


68% of New Zealanders believe their KiwiSaver fund will be extremely important for their retirement. Alongside your house, your KiwiSaver balance is likely to be the largest financial asset you will have. You must remain actively engaged with your KiwiSaver fund and continue to make active decisions, so it gives you the best possible retirement or first home.


Unfortunately, most people don’t understand the difference between saving and investing.

Saving is the process of putting money aside; investing is then what you do with that money. It’s an important distinction; many of us do a great job-saving. Where we stumble is investing. It’s important to get the investing right because if we don’t, we’re going to have to keep saving for much longer! You may not be giving KiwiSaver balance too much though since you don’t notice the contributions coming out of your pay. But despite its name, your KiwiSaver savings are an investment. And understanding what an investment is and how it works can help ensure you make good decisions for your KiwiSaver investment and avoid knee-jerk reactions. This can mean you’re hundreds and thousands of dollars better off when it’s time to buy that house or put up those tired feet. Wouldn’t that be nice?


But, there's a lot to consider

In selecting the right investment for your KiwiSaver account, it is important to understand the types of investment assets available, the amount of risk you're comfortable taking as well as what you expect your KiwiSaver fund to deliver. As if that's not enough, you then need to compare funds based on their investment styles, fees and performance. 

It's no wonder that for most of us, KiwiSaver makes our brain hurt. At kōura, we want you to be hundreds and thousands better off in retirement, which is why we have put together a simple guide that helps you understand all these factors and gives you the confidence to make the best decisions so that you can make the most of your KiwiSaver investment.

Download our Free KiwiSaver Guide Now


The kōura difference 

At kōura, we keep things simple. We ask you a simple set of questions to understand your goals and assess your risk appetite and then generate a portfolio that's entirely personalised for you. Our calculators allow you to see just how much you will have in your KiwiSaver fund based on what you're saving now and will even give you a weekly retirement income prediction. This enables you to get a realistic picture of much you can rely on your KiwiSaver money for your retirement and what levers you can pull to give you the retirement you want. Give kōura a try now and see what your retirement will look like.

Download Today 

Build your personalised KiwiSaver plan

My name is .
I am years old.
My KiwiSaver balance is and my annual pre tax income is
I contribute of my income to KiwiSaver.
I make an annual voluntary contribution. of .

Personal Digital Advisor

To design your advice, we need to know a few of your details.
My name is .
I am years old.
My KiwiSaver balance is and my annual pre tax income is
I contribute of my income to KiwiSaver.
I make an annual voluntary contribution. of .
Kia Ora ,
Before we take you back to your kōura portfolio,
for security purposes please confirm some of your details:
Your age:
Your annual income:
Your current KiwiSaver balance:

Oops sorry ,
the details you’ve entered are different to the first time you filled out the kōura calculator.
For security reasons that means you’ll either have to re-enter all of your details in the advice calculator again...
OR simply click the big button in your latest email from us which will return to your portfolio.

Cheers! Kōura

Build your personalised KiwiSaver plan ➔