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KiwiSaver plan still with the bank?

KiwiSaver is the largest investment you will ever have. You deserve an expert who can give you a wide range of investment options (even Bitcoin!), personal guidance when you need it, and smart digital tools.

Your future deserves better than a financial supermarket!

4.75% 3.10% 3.60% 8.50% 6.80% 7.30% 10.62% 9.15% 9.20% Bank Average Market Average Kōura Wealth 5-year Annualised Returns KiwiSaver Growth Strategy 5-year Annualised Returns KiwiSaver Balanced Strategy 5-year Annualised Returns KiwiSaver Conservative Strategy
All returns are before tax and after fees as at 31 March 2025 sourced from Morningstar. Bank average includes representative funds from major banks ASB, ANZ, Westpac and BNZ. Market average represents the category average as presented by Morningstar. Kōura Wealth represents the corresponding Kōura Wealth strategy, and represent a portfolio of Kōura funds. For more information on the portfolios and how returns have been calculated visit http://kourawealth.co.nz/portfolios. Past performance does not indicate future performance.

Fund returns as at 31 March 2025, calculated after fees, before tax and annualised. Returns for Core Growth and Core Income Funds are 3 years. Returns for Specialty Funds (Bitcoin, NZ Property, and Clean Energy) are 2 years. Returns for the Strategic High Growth Fund are since inception. Past performance is not an indicator of future performance.

Get more with a KiwiSaver specialist.

Get more with a KiwiSaver specialist.


A KiwiSaver specialist has one goal: to help make your KiwiSaver as big as it can be. But there's a lot more to it than just great returns. With a specilaist you get

  • Powerful digital tools to guide your decisions
  • Real people on the phone, ready to help you make the right call when it matters
  • A broad range of funds, so you can invest where your beliefs—and opportunities—lie
  • Ongoing insights, with monthly newsletters and webinars to keep you informed and confident

Think about it: would you trust a supermarket for your sirloin, or go to a butcher who knows their stuff?

KiwiSaver is no different.

Own your future — choose how and where your money grows.


With 10 individual funds to choose from, Kōura gives you the freedom to invest where you believe. Whether it's property, clean energy, US equities, or even Bitcoin, we’ve got options to match your values and ambitions.

Not sure where to start? We’ve got you covered. Use our powerful digital advice tools to build a strategy that’s right for you—or simply choose one of our expertly pre-built portfolios.

This is likely to be the largest investment you'll ever have. We want you informed, engaged, and confident to invest in what matters to you.

Knowledge is power — and the right tools put you in control.

Managing your KiwiSaver isn’t just about knowing your balance — it’s about understanding your returns, making smart decisions effortlessly, and having the right resources at your fingertips.

That’s where the Kōura app comes in. It gives you:

  • Clear insights into your returns
  • Easy-to-use tools to help you optimise your investments
  • Expert guidance to support you at every step

Because at Kōura, we believe knowledge is power — and informed investors make better decisions for their future.

The Kōura Advantage

With personalised advice, smarter investment strategies, and access to high-growth options like Bitcoin and clean energy, we’re here to grow your KiwiSaver faster.

Investing in your future is more complex than ever

We’re here to help you no matter where you are on your journey. Equipping you with everything you need to need to make the most of your money and plan ahead with confidence.

Getting started
Saving for first home
Building my wealth
Investing for my kids
Approaching retirement
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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

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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.

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Using KiwiSaver to build your wealth and secure your tomorrow

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.

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Give your kids a headstart with KiwiSaver and secure their tomorrow

You have kids, maybe they’ve started their first job, or you want to start putting a little bit aside for them, you know KiwiSaver is important and you want giveyour kids a jumpstart? KiwiSaver is your simplest way to get started. Done properly, you can set your kids up for financial success

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Using KiwiSaver to secure the retirement of your dreams

You have KiwiSaver, and you’ve been steadily saving over the years, now you’re looking at the end game, you just need to figure out how to make the most of it? The right fund type makes all the difference in this final stretch.

Learn more