KiwiSaver

Whether you're saving for your first home or planning for retirement, the decisions you make today can shape your financial future and add thousands to your KiwiSaver balance. If homeownership feels out of reach, we’re here to help.

We make KiwiSaver simple by connecting you with a fund from our trusted KiwiSaver providers that best matches your goals, risk tolerance, and lifestyle. Just complete a short questionnaire, and we’ll provide personalised recommendations—helping you optimise your KiwiSaver plan.

Let’s ensure your KiwiSaver works as hard as you do.

The Process

Step 1:

We need to assess where you stand with your KiwiSaver.

Simply register below, click "Begin KiwiSaver Fact Find," and complete our quick questionnaire—it should only take 5 minutes!

Modern wooden house in a grassy landscape with mountains in the background

Step 2:

Once we figure out where your at.

One of our Financial Advisers will collate the findings & build a personalised recommendation for you.

Snow-capped mountain range with a modern house on a grassy hill in the foreground.

Step 3:

We’ll have a quick chat and send you your recommendation, you can choose to stay in your current fund or switch to the one we suggest—it's entirely up to you.

If you decide to change, we will handle the move for you!

Scenic view of a lake surrounded by mountains under a cloudy sky.

Why have a KiwiSaver fund review?

Many people don’t realise they’re entitled to free, expert KiwiSaver advice on a regular basis. If you’ve never worked with an adviser before, you’re not alone.

Having a KiwiSaver review gives you the opportunity to consider your fund, make informed decisions, and receive ongoing guidance—ensuring you maximise your savings and stay on track toward your financial goals.

Modern wooden house overlooking a tranquil lake with mountains in the distance and a grassy field in the foreground. Scenic sunset landscape.

You work hard for your money, and your KiwiSaver contributions should work just as hard for you. That’s why the team at Advice Collective partners with the right experts to help you achieve the best possible returns. We’re not here to ask for anything extra – we’re here to ensure you get the most out of what you’re already investing.
It is important to understand that your KiwiSaver provider does not hold your savings. All KiwiSaver providers (including the banks) use a trustee who has full supervision and oversight of your investments.
Absolutely nothing.
In short, no. You can access from the age of 65, for a first home purchase and in times of extreme hardship Qualification criteria for the latter.
Filling out the questionnaire takes just five minutes, and from there, we’ll quickly put together your personalised recommendation. We’ll also have a brief chat to go over your options—at a time that suits your schedule. The process is incredibly simple, with no need for extensive paperwork or complicated forms. In most cases, all we require is a copy of your ID and your IRD number.
Any Amount. Advice Collective is committed to helping every New Zealander reach their first home and retirement goals. Whether you’re just starting with KiwiSaver, have $1 in your account, or $100,000, the team will provide advice tailored to your unique situation.
It is a very good way to give them a head start in their future. Speak to us to find out more.
At Advice Collective, we’re completely independent of any KiwiSaver provider, ensuring our advice is unbiased and tailored entirely to you.

Questions on KiwiSaver

Don't assume that you are in the right fund for your financial goals or you could be missing out on significant savings for retirement. Here are some common questions asked on KiwiSaver