Only the gold standard is good enough for your KiwiSaver investment, so you should make sure you are getting the best service from a KiwiSaver provider you can trust. KiwiSaver can be a great way to save for your retirement, and make sure you have the money to continue to do the things you enjoy. Here’s six quick tips for getting the most from it.

  1. Check you’re in the right fund for you

Do you know which fund your KiwiSaver money is invested in? Aggressive, growth, balanced, conservative, or something else? It’s important to make sure you choose the fund most suitable for you. If you’re not sure which fund you’re in, it should be easy to check with your provider. Fisher Funds clients can easily check their account details online or using our mobile app. Our award-winning New Zealand based Client Service Team are also available on phone, email or online chat to help you out.

There are a few considerations when choosing a KiwiSaver fund, but the two most important are how long it will it be before you want to withdraw your money, and how well you can tolerate risk. Our Fisher Funds Investor Profile Questionnaire is a short multichoice questionnaire that can help you find the fund that is right for you.

  1. Review your contribution rate

While we know that not everyone can afford to increase KiwiSaver contributions, it may be worth contributing more to your KiwiSaver account if you’re in the position to do so. If you’re employed, the default employee contribution rate is 3% of your before tax pay, but you can choose to change this and contribute 4%, 6%, 8%, or 10%. While you are contributing via your salary, your employer also has to contribute a minimum of 3% as well. If you’re self-employed or not currently working, you can make voluntary contributions to your account at any time.

Again, there are plenty of online tools like our Fisher Funds retirement projector that can help see how much of a difference changing your contribution rate or making extra contributions can make to your KiwiSaver savings in retirement.

Making extra contributions can really add up over time, leading to thousands more in your KiwiSaver account when you retire.

  1. Make sure you’re getting the government contribution

One of the best benefits of KiwiSaver is the government contribution of up to $521.43 each year. No matter what your employment status, as long as you’re eligible, for every $1 you contribute into your KiwiSaver account (up to $1,042.86), the government could contribute 50c. You can learn more about the government contribution and check your eligibility here.

  1. Don’t lose sight of your long-term goals

It’s important to remain calm through investment market ups and downs and not to let any short-term volatility affect your long-term goals. If you panic when you see your KiwiSaver balance drop, and switch from a balanced or growth fund to a more conservative fund, you are locking in your losses, and you could also lose out when markets recover in the future.

While KiwiSaver balanced and growth funds can experience more volatility in the short-term, in the long-term they should deliver higher returns.

  1. Check your account once in a while (but not too often!)

To make sure your KiwiSaver investment is on the right track, it pays to check in on your account every now and then. You can usually check your account online if your provider offers this. While it’s great to check in on your account, it’s important to remember that for most people KiwiSaver is a long-term investment. While your balance should grow over time, in the short term you may see it go up or down, so you might not want to check it every day.

  1. Talk to the experts

Fisher Funds is one of New Zealand’s largest specialist wealth investment companies helping over 500,000 Kiwis reach their ambitions with KiwiSaver and managed investments.

For KiwiSaver, New Zealanders have voted us the Reader’s Digest Most Trusted Brand four years in a row and have awarded us Gold in the 2024 Reader’s Digest Quality Service awards. Fisher Funds KiwiSaver Scheme has also received the Canstar Outstanding Value KiwiSaver Scheme award for four years running.

If you would like to experience the gold standard, our KiwiSaver Specialists are easy to talk to – you can call us on 0508 347 437, request a call or visit today to learn more.

Fisher Funds Management Limited is the issuer of the Fisher Funds KiwiSaver Scheme and Fisher Funds TWO KiwiSaver Scheme and Fisher Funds Wealth Limited is the issuer and manager of the Fisher Funds KiwiSaver Plan. Product Disclosure Statements for the schemes are available on Please note that past performance is not necessarily indicative of future returns. Returns can be positive or negative and returns over different time periods may vary. No returns are promised or guaranteed. Reader’s Digest Awards voted by New Zealanders in surveys conducted by Catalyst Consultancy & Research.

Image: Shutterstock/Supplied.

This is a sponsored article produced in partnership with Fisher Funds.

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