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KiwiSaver is the most important tool to get you into your first home

You have your KiwiSaver, you know it’s important, but you need to figure out how it can help you save for your first home? KiwiSaver has your back. Done properly, it can help you grow your deposit faster

Where does KiwiSaver fit in, when saving for your first home

KiwiSaver, shares, or the bank?

  • It’s not one or the other, they should all work together.  
  • 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.  
  • Get help. Don’t be scared to ring up your favourite KiwiSaver provider and get them to explain what mix suits you best.  

You don’t have to stop earning, just because you’re ready to buy 

Keep growing your deposit  

  • You’ve worked hard to grow your deposit, now is the time to protect it from those big fluctuations. Look to a balanced or conservative fund type. 
  • Make sure you have the right balance between risk and reward, so that you keep earning right up to the finish line. 
  • Don’t stop contributing, every dollar makes a difference when buying your first home. 

Make the buying process as stress-free as possible

Preparing to withdraw your deposit

  • Get in touch with your provider if you’ve started looking at homes, it can take up to 10 days to process your application. 
  • After 3 years of contributions, you can withdraw all your funds except for $1000 and funds that have been transferred from an Australian Superannuation Fund.

Considerations 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 think is best.  
  • 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 out of your provider.

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