KiwiSaver Advice

Latest KiwiSaver news and articles

National Capital is specialised in KiwiSaver and Investment research. We advise Kiwis on over $70 million of their KiwiSaver savings providing free KiwiSaver advice, with the goal of empowering one million kiwis to become financially secure.

We have tried to answer the question, “How do I ensure I am in the right KiwiSaver strategy and fund for my needs?” by creating this comprehensive resource for all your KiwiSaver related questions, and other information we think you should know.

However, please note that this is not personalised financial advice. If you want advice based on your own circumstances and goals, please start by submitting our KiwiSaver HealthCheck.

Do I really need KiwiSaver advice? Here are 5 common reasons why you may be avoiding getting KiwiSaver advice and
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Can I opt out of KiwiSaver and get my money back?

Navigate KiwiSaver complexities: Learn withdrawal scenarios, retirement focus. Consult your provider for clarity, alternatives.

What Is The 3-Year Rule For KiwiSaver?

Learn about the KiwiSaver's 3-year rule for first-home buyers and how to withdraw eligible contributions for your first home in

QuickFire Finance Course

This Free online course aims to provide a quick and easy way to help you learn and become more financially secure.

To keep things engaging we’ve got videos, blogs and more for you to learn from.

Navigate KiwiSaver complexities: Learn withdrawal scenarios, retirement focus. Consult your provider for clarity, alternatives....

Can I opt out of KiwiSaver and get my money back?

Navigate KiwiSaver complexities: Learn withdrawal scenarios, retirement focus. Consult your provider for clarity, alternatives.
Learn about the KiwiSaver's 3-year rule for first-home buyers and how to withdraw eligible contributions for your first home in...

What Is The 3-Year Rule For KiwiSaver?

Learn about the KiwiSaver's 3-year rule for first-home buyers and how to withdraw eligible contributions for your first home in
Learn how the Member Tax Credit can effortlessly boost your savings tax-free, while your earnings are potentially subject to PIE...

Are KiwiSaver Contributions Taxed?

Learn how the Member Tax Credit can effortlessly boost your savings tax-free, while your earnings are potentially subject to PIE
Explore using KiwiSaver funds to assist families in situations like buying a first home, financial hardship, serious illness, or planning...

Can I Gift My KiwiSaver To A Family Member?

Explore using KiwiSaver funds to assist families in situations like buying a first home, financial hardship, serious illness, or planning
Explore KiwiSaver employer contributions: Learn if it's mandatory for them to contribute 3% of your salary and understand the impact...

Is It Compulsory For Employers To Pay KiwiSaver?

Explore KiwiSaver employer contributions: Learn if it's mandatory for them to contribute 3% of your salary and understand the impact
Potential KiwiSaver downsides: fees, market fluctuations, limited access, performance tied to markets, and risk of missing government contributions....

What Are The Potential Disadvantages Of KiwiSaver?

Potential KiwiSaver downsides: fees, market fluctuations, limited access, performance tied to markets, and risk of missing government contributions.
At 65, KiwiSaver gov contributions end. Explore retirement options like NZ Superannuation. Stay updated on eligibility with authorities or your...

Does the government still contribute to KiwiSaver after 65?

At 65, KiwiSaver gov contributions end. Explore retirement options like NZ Superannuation. Stay updated on eligibility with authorities or your
First-time homebuyer? KiwiSaver lets you withdraw most savings for your home. Learn eligibility and process with Kāinga Ora - Homes...

How much of my KiwiSaver can I use for my first home?

First-time homebuyer? KiwiSaver lets you withdraw most savings for your home. Learn eligibility and process with Kāinga Ora - Homes
Explore the official IRD and KiwiSaver websites, your KiwiSaver provider, employer HR, CAB for general advice, and a registered financial...

Where Can I Get Help For KiwiSaver?

Explore the official IRD and KiwiSaver websites, your KiwiSaver provider, employer HR, CAB for general advice, and a registered financial
Learn how choosing a 3% rate, the minimum allowed can affect your financial well-being over time. Discover the impact of...

What Is The Lowest KiwiSaver Rate?

Learn how choosing a 3% rate, the minimum allowed can affect your financial well-being over time. Discover the impact of