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Your KiwiSaver investment could be the key to your first home.

Buying your first home isn’t easy, but you’re not starting from scratch. Your KiwiSaver investment can help grow your deposit faster and get you through the door sooner.

KiwiSaver, shares, or the bank?

Where does a KiwiSaver plan fit into your first-home journey?

  • It’s not one or the other. Your savings tools should work together.
  • What’s right for you depends on how much you want to save, and how comfortable you are choosing investments. (Hot tip: KiwiSaver is often the easiest and most cost-effective place to start.)
  • And don’t go it alone. Reach out to your KiwiSaver provider - they can help you find the right mix for your goals

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

Keep your KiwiSaver investment growing while you save for your first home.

  • You’ve worked hard to build your deposit, now’s the time to protect it. A balanced or conservative fund can help smooth out those market ups and downs.
  • Aim for the right mix of risk and reward, so your KiwiSaver investment keeps growing right up to settlement day.
  • And don’t stop contributing - every dollar still counts when you’re getting ready to buy your first home.

Make buying your first home as stress-free as possible

Getting ready to withdraw your first-home deposit

  • If you’ve started house-hunting, get in touch with your KiwiSaver provider early — it can take up to 10 working days to process your first-home withdrawal.
  • Once you’ve contributed for at least three years, you can withdraw everything except $1,000 (and any funds transferred from an Australian Super account).

Look beyond performance and fees

Choosing a provider can feel tricky, so bring it back to basics

  • Don’t pick a provider just because of past returns. What’s performed well before won’t always perform well again.
  • Think about what matters to you: is ethical investing important, or do you want exposure to things like bitcoin? Your money should reflect your values.
  • Make sure you’re getting the support and guidance you need to make smart decisions for your KiwiSaver investment.
  • And yes, check the fees! They should be fair and match the level of service you expect.

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.

Bitcoin

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.