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KiwiSaver Blog

National Capital is a New Zealand–owned impartial KiwiSaver advice service based in Auckland and Christchurch, serving clients nationwide. We analyse 300+ KiwiSaver funds to recommend the option that best matches your goals, risk profile, and timeline. We also manage the fund-change process at no extra cost, helping Kiwis choose the best KiwiSaver fund for long-term returns, first-home planning, and retirement confidence.

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Is Artificial Intelligence a Bubble? What New Zealand Investors Should Consider

This article explores how investors can think about AI from a risk-aware, long-term perspective and what practical considerations matter most.

Is Your KiwiSaver Ready for 2026?

A small step today could make 2026 feel more confident, more intentional, and more in control.

The Value of Financial Advice and What It Means for Your KiwiSaver

We wanted to share an interesting insight from Russell Investments’ 2025 Value of an Adviser report.

Investment Scam Alert: What Every Kiwi Needs to Know

Recently, the Financial Markets Authority (FMA) has warned of a surge in impersonator investment scams. These scams use fake ads and even AI-generated “deepfake” videos of well-known New Zealanders to

Are You Paying for KiwiSaver Advice You’re Not Getting?

Did you know? If you’re in a KiwiSaver fund, part of the fees you pay may already cover financial advice services — even if you’ve never spoken to a financial

What is KiwiSaver?

The answer to the question of what is KiwiSaver is a simple one. It is a voluntary investment scheme where you can choose to contribute towards a more financially sound

What KiwiSaver Fund Should I Be In?

The right fund depends on you — your goals, timeframe, and your capacity for volatility. Don’t leave your KiwiSaver on autopilot.

Struggling Financially? KiwiSaver Hardship & Better Ways Forward

Life can throw unexpected challenges — rising living costs, job loss, family emergencies. If you're feeling financially stuck, you're not alone. Thousands of Kiwis are in the same boat.

Fewer Kiwis Feel Prepared for Retirement: Time to Strengthen KiwiSaver Engagement

The 2025 Financial Resilience Index from the Financial Services Council (FSC) has revealed a worrying trend: fewer New Zealanders feel prepared for retirement.

Why Is My KiwiSaver Balance Going Up and Down? A Simple Guide to Market Volatility

Have you noticed your KiwiSaver balance jumping around lately? Don’t worry—it’s likely due to something called market volatility. Let’s break it down in an easy-to-understand way and explain why you

Can employees opt out of KiwiSaver?

How is KiwiSaver treated in divorce?