Your KiwiSaver,
Your Dream,
Our Guidance.
Let National Capital handle KiwiSaver for you—from advice to execution




We make investing easy with personalised, unbiased KiwiSaver advice and seamless A-Z service
at no additional cost to you. Stay focused on your goals while we take care of the rest!
Maximise Your KiwiSaver Returns Today
Your provider won’t tell you when it’s time for a change. We will!
Taking action now could significantly boost your future savings.
We’ve helped Kiwis take charge of over $170 million in KiwiSaver investments. Let us help you too.
Getting Into Your First Home
Sophie has been saving for her first home deposit but she’s unsure if her current KiwiSaver fund will get them there.
Starting Balance: $45,000
Salary: $70,000
Annual Contribution: $3,570
Timeframe: 10 years

Conservative Fund Earning 5.5% p.a

Growth Fund Earning 7.6% p.a
Estimated balance at the end of time frame
Helping Couples Retire Right
Jane & Alan are looking forward to retirement but staying in the wrong fund could mean thousands less when they need it most.
Starting Balance: $35,000
Salary: $140,000
Annual Contribution: $7,140
Timeframe: 25 years

Conservative Fund Earning 5.5% p.a

Growth Fund Earning 7.6% p.a
Estimated balance at the end of time frame
Disclaimer: The returns shown in this chart are based on modelled projections and are provided for illustrative purposes only. Assumed gross annual returns are 5.50% for the Conservative fund and 7.60% for the Growth fund, before fees and tax. Projected values are shown after the deduction of an annual management fee of 0.75% for the Conservative fund and 0.99% for the Growth fund, and tax at a rate of 17.50%. Actual returns may vary and are subject to market conditions, changes in fees or tax rates, and individual circumstances.
Whether you are saving for your first home, saving for retirement or are already retired, let us help you unlock the full potential through sound KiwiSaver advice.
Who is National Capital?
Established in 2018, National Capital, part of Saturn Portfolio Management Group, is a financial advisory firm specialising in KiwiSaver advice and investment research.
With offices in Auckland and Christchurch, we serve clients nationwide, providing KiwiSaver advice tailored to individual profiles and objectives at no additional cost. Our mission is to empower every Kiwi to become financially secure.
As an impartial financial advice firm, we are not affiliated with providers. This independence ensures that our KiwiSaver advice is unbiased and focused solely on you. By leveraging our proprietary technology and our expertise, we provide real-time, automated advice that prioritises customer benefit over corporate interests. More than just advice, we also handle the execution of KiwiSaver fund changes for you—making National Capital your one-stop stress-free solution for KiwiSaver management.

Why National Capital?
We are a proudly New Zealand-owned and operated registered financial advice provider, conducting comprehensive research across the KiwiSaver market. Since our inception, we have rapidly grown to advise Kiwis on over $170 million of their investments.
Truly Independent
Unbiased KiwiSaver advice, free from scheme affiliations, just honest advice.
100% Free Service
Expert KiwiSaver advice at no additional cost to you.
On-Demand KiwiSaver Guidance
Manage your KiwiSaver at your convenience—our platform is accessible 24/7.
Tech-Powered, People-Centered
Combine our tech-driven platform with expert advice for effortless financial planning.
How Does It Work?
Tell Us About You
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Update Anytime
Support When You Need It
National Capital KiwiSaver Advice Process
Hear How We've Transformed the Lives of Fellow Kiwis
What Our Client Says About Us
Trustindex verifies that the original source of the review is Google. Highly recommend to whoever who is looking for wise guidance about your KiwiSaver plan. I just moved to nz and was very confused with the whole concept of KiwiSaver but National Capital assigned me a great consultant "Tim" and he helped me with every step. Trust them, because they know what they are doing. hasti piltan2024-02-18Trustindex verifies that the original source of the review is Google. It was breeze sorting out my KiwiSaver and I'm happy with the recommendations as to which Fund and type would best suit my goals. Highly recommended! Mark Jo Vincent Hidalgo2024-02-18Trustindex verifies that the original source of the review is Google. Our investments just weren't doing as well as we would have liked them to be going, and I was concerned that we would not be able to reach our retirement goal. I sent an inquiry through to National Capital and they made a time to call me back - to my surprise they called me exactly on the time that I had requested, and they took the time to talk me through the investment process - which fund would be the best for myself and my husband. I felt much more confident once I had finished my phone call that I had made the right choice about my KiwiSaver Adviser and was finally on the right track to reach my retirement goals. Donnalee Parnell2023-12-31Trustindex verifies that the original source of the review is Google. Great place! Great team to work with!! Always implementing new technologies to provide 100% satisfaction to the clients!! dwarkesh joshi2023-11-14Trustindex verifies that the original source of the review is Google. Reliable Service (In-Person & Digital), Professional Qualified Expertees, Friendly Staff & Financial Advisers, Realistic Expectations Fulfillment to Financial Care Needs, Kiwisaver-Focused Decisions, Specialized Outcomes, Positive Experience Great Loyalty & Wisdom Alba Kamberi2023-11-05Trustindex verifies that the original source of the review is Google. Excellent information on comparative KiwiSaver performance, with a clearly outlined transparent operating model aimed at enhancing financial literacy.Together with a super helpful ready willingness to assist, Ilma has enabled us to refocus on our financial pathway with a robust and comprehensive plan. Thank you. Andrew Nieuwelaar2023-11-02Trustindex verifies that the original source of the review is Google. I needed to make a change from one KiwiSaver provider to another, so did some research and got in touch with National Capital. From the start the process has been professional, easy to understand and the staff at National Capital have been a pleasure to work with. They put me in touch with a new KiwiSaver provider and I couldn't be happier Jackie Aldred2023-10-27Trustindex verifies that the original source of the review is Google. Crisp and clear advise. Milford were primitive in their process to verify new customer in old paper way; however team at national kept following up and never gave up. Finally Milford did the online verifications and I was onboarded. Good experience. Taru Sawhney2023-08-09Trustindex verifies that the original source of the review is Google. Everything sorted, they made it very nice and easy throughout the whole process of changing kiwisaver providers. Their system is very good at providing various funds that best suit your wants and they’re good at explaining their reasoning. Thanks for the help Tim Jacob Greenfield2023-08-01Trustindex verifies that the original source of the review is Google. Really easy to deal with, what a great platform. The health check was straightforward, didn’t take to long and the advice given based on the health check was brilliant and allowed me to make an informed decision which KiwiSaver provider would best suit my current needs. Highly recommend Viran Ranchhod2023-02-23Google rating score: 4.9 of 5, based on 164 reviews
KiwiSaver Advice Resources
FAQ's
Frequently asked questions about National Capital, KiwiSaver, Your KiwiSaver Account and how KiwiSaver can help First Home Buying.
Everything You Need To Know
Find out about how does KiwiSaver work, the KiwiSaver benefits, and much more about the KiwiSaver Scheme.
KiwiSaver & First Home Guide
A complete breakdown of all things ‘First Home Buyer’.
Learn More
KiwiSaver Providers
A list of KiwiSaver Providers and how to find out if you are in a default scheme.
Important Information
Our legal and compliance with the Financial Services Regulations of New Zealand
We’re Here to Help
Need assistance? We’re always happy to help! Simply fill out the form, or reach out to us via email at [email protected].
If you prefer to call, you can reach us at 09 2830 460.
Our experts are available to assist you during the following hours (excluding public holidays):
Mon–Fri 9:00 AM – 5:00 PM