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Using KiwiSaver to build your wealth

You have KiwiSaver, you know it’s important, you just need to figure out how to make the most out of it? KiwiSaver is your financial super power. Done properly, it can set you up for the retirement of your dreams

KiwiSaver is an investment account. Not a bank account.

It is the largest investment account you will ever have

  • The type of KiwiSaver fund you are in (Aggressive, Growth, Balanced, Conservative) will make the biggest difference to your final balance.  Explore your options and choose what is best for your age and stage.
  • As with all investments, there will be ups and downs.  Some years will be good and some will be bad, the moment you accept that your stress levels will plummet.
  • Get help don’t be scared to ring up your favourite KiwiSaver provider and get them to tell you what works (or does not).

Great retirements are built and don’t come about by chance

Plan your retirement early

  • Information is key to making good financial decisions, understanding what your contributions will give you is the most important information you can have.
  • Get your provider to do the maths and figure out what your KiwiSaver will give you so that you can quickly figure out whether you need to contribute more.
  • Retirement might seem like a long way away, but like any journey – the more hard yards you put in at the start the easier the end is.

Look beyond performance and fees

Choosing a provider is hard, but bring it back to the basics

  • Choosing based on returns can be dangerous – just because it has performed well in the past doesn’t mean that it will do well in the future.
  • Make sure the provider aligns with your broader objectives – is ethical investing important to you, do you want a little crypto? You invest where you want to invest
  • Are you getting the help and service you need to make the right decisions for your KiwiSaver
  • Make sure the fees are fair and reflect the service that you expect to get out of your provider

Where does KiwiSaver fit in your wealth building strategy

KiwiSaver, shares or the bank?

  • It’s not one or the other they should all work together.
  • At the very least make sure you use KiwiSaver to maximise the free money from the Government
  • Your set of options will depend on how much you want to save and how confident you are in choosing your investment options – hot tip KiwiSaver is likely to be the easiest and cheapest of all.

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