Interested in adding cryptocurrency to your KiwiSaver LEARN MORE

Setting up your KiwiSaver for the first time

You’ve never had KiwiSaver before, you don’t know much about it, but you think it could be important. You’re right. KiwiSaver is your financial superpower. Done properly, it can help you into your first home and 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).

Your retirement savings won’t be built in a day

Plan your retirement early

  • Your retirement is closer than you think, the sooner you start today – the sooner you can relax.
  • The right fund makes a BIG difference, at the start of your journey you’ll want to focus.
  • 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.

You don’t have to build up your KiwiSaver alone

With KiwiSaver you can earn more faster

  • Your employer can contribute up to 3% of your salary – you’re that much closer to reaching your first financial milestone.
  • If you’re eligible, the government will top-up your account with an extra $521.43 every year.
  • The sooner you join, the sooner you can earn returns on the extra money on offer.

Look beyond performance and fees

Choosing a provider is hard, let’s bring it back to the basics

  • Choosing based on returns can be dangerous – just because it performed well in the past doesn’t mean that it will in the future.
  • Make sure that your 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.

Embrace the future with Kōura

Discover the Kōura advantage, where personalised investment strategies, expert financial guidance, user-friendly technology, and innovative Bitcoin options come together to create a seamless and rewarding KiwiSaver experience.

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