Strengthening Your Road to Retirement with Dedicated KiwiSaver Advice.

Our advisers work closely with clients to provide focused, practical guidance as their KiwiSaver balances grow and circumstances change.

With a specialist focus on KiwiSaver, you can expect:

• Regular reviews to ensure your fund choice and risk level remain appropriate
• Guidance on contribution settings as rules and income change
• Clear alignment between your KiwiSaver and your long-term retirement goals

This approach is designed to give you clarity and confidence, helping you make informed decisions at every stage of your KiwiSaver journey.

KiwiSaver Changes Ahead

Several KiwiSaver updates are being introduced over the coming months. These changes may affect contribution levels, employer obligations, and eligibility settings.

Below is a summary of the key dates and updates.

These upcoming changes provide a timely opportunity to review your KiwiSaver arrangements and ensure they continue to align with your broader financial goals and long-term planning strategy. Even small adjustments can have a meaningful impact over time, so it’s worth confirming your current settings remain appropriate for your circumstances.

If you would like to review your KiwiSaver or discuss what these updates may mean for you, please contact our team.

KiwiSaver Market Overview

The December 2025 quarter saw positive outcomes for KiwiSaver investors, supported by strong offshore equity markets and favourable currency movements.

KiwiSaver assets grew to nearly NZD 140 billion by the end of the quarter, increasing by approximately $5 billion due to a combination of market returns and ongoing contributions.

Returns across multisector funds ranged from 0.7% for conservative funds to 2.8% for aggressive funds. Global equities outperformed, while New Zealand shares saw modest gains. Australian shares were broadly flat in local terms but delivered small positive returns for New Zealand investors due to currency effects. Defensive assets provided stability, with modest gains from corporate bonds offsetting slight losses in longer-dated New Zealand government bonds.

Over the long term, higher growth funds continue to lead. Over the past 10 years, aggressive funds have averaged 9.5% per annum, followed by growth 8.2%, balanced 6.9%, moderate 5.0%, and conservative 4.2%.