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Grow your wealth and become an investor with KiwiSaver

Investing isn't just for the wealthy. KiwiSaver is designed to help you grow your wealth to help you save for your first home and retirement.

How KiwiSaver works

KiwiSaver is designed to give you a better future. KiwiSaver is more than just a savings account, it's an investment that is there to help you save for your first home and retirement.

Your KiwiSaver grows with

(up to $521 every year!)

See how your KiwiSaver could grow

Fill in the fields below to calculate your retirement savings.

Your Contribution
Employer Contribution
Government Contribution
Asset Returns
How we calculated this

How your KiwiSaver is invested

Understanding how investments work can help you make better investment choices and help you feel more in control of your money. The way your KiwiSaver is invested can make a big difference to how much money you’ll have in retirement.

Investment Basics
Investment Options
Investment Horizon
Risk Tolerance
Investment Returns

What do you need to know about investing?

Investing can seem tricky, but understanding the essentials is key. Your money in KiwiSaver grows because it's invested in assets like the stock market or cash. This growth is enhanced by compounding returns, where your money generates additional returns over time. By retirement, a significant portion of your KiwiSaver balance could come from these compounded returns. 

KiwiSaver offers various investment options with different risk and growth potentials. Choose investments that align with your goals and risk tolerance. Higher risk investments can offer higher returns but with more volatility, while lower risk investments grow more steadily. Staying invested during market fluctuations is crucial to avoid locking in losses. 


What can you invest in?

There are two different types of assets you can invest in: Growth and Cash.

Growth assets generate a return with their capital growth (purchase value of an asset) and dividends (earnings paid out to shareholders). Examples of growth assets include equities (i.e. shares), infrastructure, and property.

Cash assets pay interest, and the investor gets their investment back at the end of the agreed upon term. Examples of Cash assets include cash, term deposits, and bonds.


How long are you planning to invest?

Your investment strategy is shaped by many factors, including how long you’re planning to leave your money invested. This is your investment horizon, and it will change across your lifetime. The longer you’re planning to invest, the more time you have to recover from dips in the market. The shorter you’re planning to invest, the more you’ll want to protect your KiwiSaver balance.


How comfortable are you with investment risk?

Investing in retirement is a balancing act between taking on risk to grow your savings and reducing risk to protect the savings you've built.

Your risk tolerance can be affected by things like:

  • Your personal feelings about risk,
  • Your circumstances
  • Your life stage

How much are you planning to earn?

Over time, your KiwiSaver balance will go up and down depending on how your investments perform. The changes in your balance are your returns, they can be positive or negative.

Those returns are reinvested and help generate even more returns. The term for this is compounding interest; over the long term it snowballs to help your KiwiSaver grow.

Your returns will be affected by things like:

  • Your investment horizon
  • Your risk tolerance
  • Your fund type

Discover the Kōura Advantage

A Fresh Approach for KiwiSaver

Personalised Investment Strategies

Kōura Wealth offers tailored investment plans that align with the unique financial goals and risk tolerance of new KiwiSaver contributors, ensuring a customised approach to growing your savings.

Financial Guidance

With digital advice and access to experienced KiwiSaver specialist, you can confidently navigate your investment journey

User-Friendly Technology

Kōura Wealth provides an intuitive, easy-to-use platform, making it simple for new contributors to manage their KiwiSaver accounts, track their progress, and adjust their investment choices as their needs evolve.


We offer innovative investment options that include exposure to Bitcoin assets. This approach caters to modern investors seeking to diversify their KiwiSaver portfolios with digital currencies, combining traditional investment strategies with the dynamic world of cryptocurrencies