New Start to 2026: A Few Simple Ways to Set Up Your KiwiSaver
The start of a new year is often when people reset goals, plan ahead, and think about getting their finances back on track. A recent RNZ article highlighted the value of doing this early and for most New Zealanders, KiwiSaver is one of the best places to start.
KiwiSaver is often one of the largest investments people will ever have, yet it’s also one of the most commonly overlooked. Many Kiwis set it up when they start a job and then leave it untouched for years, even as their life, income, and goals change.
As we head into 2026, here are a few simple but important things worth reviewing.
1. Check Your Fund Type
Your KiwiSaver fund should reflect your age, timeframe, and tolerance for risk.
Someone saving for a first home in the next few years will likely need a different approach to someone investing for retirement over the next 30–40 years. Being in the wrong fund can have a significant impact on long-term outcomes.
2. Review Your Contributions
Are you contributing enough to support your long-term goals?
Even small increases to contributions can make a meaningful difference over time thanks to compounding. It’s also worth checking whether your contribution rate still makes sense as your income changes.
3. Understand the Fees You’re Paying
Fees might seem small, but over decades they can quietly erode your balance. Comparing fees alongside performance and strategy can help ensure more of your money stays invested for you.
4. Align KiwiSaver With Your Life Plans
Life doesn’t stand still, and neither should your KiwiSaver.
Major events such as buying a first home, starting a family, changing careers, or reassessing retirement plans should trigger a review to make sure your KiwiSaver still aligns with where you’re heading.
KiwiSaver Isn’t “Set and Forget”
The key message echoed in recent media commentary is that KiwiSaver works best when it’s reviewed regularly and adjusted as your circumstances change. A short review today can make a meaningful difference to your future outcomes.
If you haven’t looked at your KiwiSaver recently (or ever), now is a great time to do so.
We offer free KiwiSaver reviews to help you understand whether your fund, contributions, and overall strategy still suit your goals. Feel free to contact us through our website or directly.
Disclaimer:
This article is for information purposes only and does not constitute financial advice. Individual circumstances differ, and professional advice should be sought before making financial decisions.
Credit: Commentary informed by reporting from Susan Edmunds, RNZ.
Article: https://www.rnz.co.nz/news/business/583596/get-your-finances-sorted-in-2026-maximising-your-kiwisaver