Best Investment Options for Retirement Planning in 2026

Written By Paul Souliac

Planning retirement in New Zealand means picking options that match your goals and risk level. Many Kiwis turn to KiwiSaver schemes, managed funds, or diversified portfolios to grow savings over time. Discover the best investment options for retirement planning in 2026, tailored for New Zealanders seeking secure, growth-focused strategies to build lasting wealth.

These choices help protect against ups and downs in the market while aiming for steady returns. Variations like growth-focused funds or those with global exposure can suit different needs, whether you're starting early or nearing retirement age. For tailored advice, retirement planning services guide you through the process. 

Discover the Best Investment Options for Retirement Planning in 2026 - Compound Wealth

Understanding Retirement Needs in New Zealand

Retirement in New Zealand often combines NZ Super with personal savings. Many people find that relying only on government payments limits their lifestyle, so building extra funds matters. Factors like health costs, travel plans, or family support shape how much you set aside. Some choose conservative approaches to keep capital safe, while others go for balanced mixes that include shares and bonds. This setup helps handle inflation and market changes. After picking a path, regular reviews keep things on track. For those with overseas pensions, services like UK pension transfer can integrate funds smoothly.

Key Factors to Weigh When Choosing Investments

Your time horizon plays a big role in decisions. Younger savers might lean toward higher-growth assets, as they have years to recover from dips. As you get closer to retirement, shifting to stable options reduces risk. Diversification across asset types spreads exposure, which many find helpful. Fees also add up over time, so low-cost providers appeal to cost-conscious investors. Tools like a risk assessment quiz clarify your comfort level. Some opt for professional input to align choices with life goals.

Best Investment Options for Retirement Planning in 2026

1. Compound Wealth - Best Investment Option for Retirement Planning

Compound Wealth retirement planning stands out as a top choice for Kiwis building secure futures. This independent firm crafts custom strategies that blend KiwiSaver, investments, and cashflow modelling. They focus on your unique goals, whether growing savings or protecting wealth through retirement. With access to open-architecture solutions, you get broad diversification across global markets. 

Their approach draws on international research, delivering flexible portfolios that adapt to changes. Clients praise the clear guidance and real results, making it ideal for long-term peace of mind. Key pros include personalised plans that integrate all aspects of your finances, standout features like specialist transfers for overseas funds, and facts and information showing strong alignment with individual risk levels and horizons. Get started on securing your future with Compound Wealth today.

About Compound Wealth

Compound Wealth is a leading financial advisory firm based in Mount Maunganui, New Zealand. Founded in 2017 by Adam, we specialise in personalised KiwiSaver advice and investment planning for Kiwis nationwide. 

Our mission: Deliver clarity, confidence, and better outcomes through bespoke strategies tailored to your life. We advise on over $130 million in assets, trusted by over 2,500 clients across the country.

Our Services

Discover expert financial solutions tailored for New Zealanders seeking optimised KiwiSaver advice, retirement planning, and private wealth management. As leading KiwiSaver advisers in Mount Maunganui, we help you maximise savings, transfer pensions, and build secure futures with personalised investment strategies.

KiwiSaver 

Investments

Why Choose Us?

  • Personalised approach: No one-size-fits-all funds.

  • Advanced cash flow modelling for future insights.

  • Access to global diversification and specialist strategies.

  • Over 10 years of expertise in KiwiSaver and investments.

  • Direct support from knowledgeable advisers

  • No call centres – just committed, ongoing guidance.

We use international research and proven methods to grow and protect your wealth effectively.

Ready to Take Control of Your Finances?

Book a free consultation with our experienced KiwiSaver and wealth advisers today.

2. Cambridge Partners

Cambridge Partners offers wealth management and financial advice in New Zealand, helping clients with retirement goals through custom portfolios. Based in Christchurch, the firm provides a range of services, from investment selection to ongoing monitoring. They emphasise diversification and risk management, which suits those wanting balanced growth. Strengths include access to various asset classes, but weaknesses show in higher fees for some plans. Their team brings experience in local markets, aiding Kiwis in navigating economic shifts. The fee-only structure ensures advisers are paid directly by clients, avoiding conflicts from commissions, and this client-first approach builds trust over time. 

Evidence-based investing draws on decades of research to guide decisions, focusing on long-term outcomes rather than short-term trends. For retirees, they craft plans that align with personal values, incorporating sustainable options where desired. Holistic advice covers not just investments but also life goals, such as family support or travel in retirement. Regular reviews keep strategies current amid market changes, providing proactive adjustments. Specialized support for UK pension transfers and US expats adds value for those with international ties. Overall, their method delivers clarity and peace of mind, making it a reliable choice for building retirement security through diversified, tailored solutions. 

  • Key features: Customised investment portfolios, diversification across shares and bonds, regular performance reviews.

  • Facts and Information: Many clients use their services for long-term planning, with focus on sustainable returns in volatile times.

3. NZBritannia

NZBritannia delivers retirement planning and advice, with over 25 years helping people retire comfortably. Operating nationwide, they cover KiwiSaver reviews and investment strategies. Strengths lie in their straightforward process and focus on client education, but some find options limited compared to larger firms. They assist with pension transfers and fund choices, making them a solid pick for straightforward needs. The firm tailors advice to individual circumstances, including age, income, and goals, ensuring personalized paths to retirement. Insurance integration, like life and income protection, adds layers of security alongside investments. 

Their expertise in UK pension transfers stands out, with free assessments and guides to simplify the process for Kiwis returning home. A retirement calculator tool helps estimate savings quickly, empowering users to track progress. Client testimonials highlight the confidence gained from professional support, emphasizing a holistic view that protects assets built over a lifetime. Diversification comes through partnerships with major providers, allowing broad portfolio construction. While the approach suits many, it may involve more steps for complex needs. Overall, NZBritannia promotes smarter planning for stronger retirements, drawing on proven experience to deliver reliable outcomes. 

  • Key features: KiwiSaver optimisation, pension transfer support, client-focused education tools.

  • Facts and Information: Some retirees value their emphasis on low-risk paths, drawing from extensive market knowledge.

4. Craigs Investment Partners

Craigs Investment Partners handles wealth management, creating adaptable portfolios for retirement. With offices across New Zealand, they offer research-driven advice on shares, bonds, and funds. Strengths include deep market insights, though access might feel formal for casual investors. Weaknesses appear in scalability for smaller balances. They suit those seeking professional oversight. Established in 1984, the firm manages substantial client funds, fostering multi-generational relationships built on trust. The Craigs Superannuation Scheme provides personalized options for retirement preparation, while the KiwiSaver Scheme offers flexibility in savings control. UK and Australian pension transfers enable seamless fund integration, accessible under specific conditions. 

Diversification incorporates global perspectives with local expertise, supported by award-winning research. Sustainable investing aligns with personal values through themed insights. The Women's Wealth programme empowers female clients with education since 2007. Community management for organizations adds a unique dimension. Personalized service starts with understanding goals, like family planning or lifestyle maintenance in retirement. Active management aims for long-term success, providing confidence through expert guidance. While in-person focus enhances local ties, it may limit remote access. Overall, Craigs delivers sustained growth and protection for Kiwi retirees. 

  • Key features: Research-backed portfolios, access to local and global assets, advisory services.

  • Facts and Information: Many use them for diversified strategies, benefiting from team expertise in economic trends.

5. Fisher Funds

Fisher Funds provides managed funds and KiwiSaver options for retirement savings. Based in Auckland, they focus on active management to outperform markets. Strengths show in their fund variety, but performance can vary with market conditions. Some note higher volatility as a drawback. They appeal to growth-oriented savers. With over 25 years of experience, the firm supports hundreds of thousands of Kiwis through KiwiSaver and Managed Funds. The KiwiSaver Plan builds savings for retirement or home purchases, leveraging compound growth. Managed Funds offer diversified portfolios with different risk levels, simplifying asset allocation for all investors. 

Smart Active Investment Management by a seasoned team ensures hands-on oversight. Responsible investing applies across all funds, promoting ethical practices. Award-winning client services resolve queries efficiently, making the process enjoyable. While broad diversification is a plus, personal risk assessment remains key. User experiences highlight accessibility and support, aiding confident retirement planning. Performance returns are tracked after fees, reflecting commitment to outcomes. Overall, Fisher Funds emphasizes active strategies for long-term wealth in New Zealand conditions. 

  • Key features: Active fund management, range of KiwiSaver funds, performance tracking tools.

  • Facts and Information: Some investors appreciate their focus on New Zealand equities, with global elements for balance.

6. Booster

Booster, a Wellington-based provider, offers KiwiSaver and investment funds for retirement. They emphasise ethical investing and low fees. Strengths include flexible fund choices, but some find customer service slower. Weaknesses involve limited international exposure in basic plans. They fit eco-conscious Kiwis. The firm provides general services like KiwiSaver schemes and financial tools to support long-term savings. Diversification comes through a range of investments aligned with sustainable values, appealing to those prioritizing ethics. KiwiSaver options help build retirement funds with employer contributions, while additional tools aid in tracking progress. 

Strengths lie in commitment to responsible practices, ensuring investments avoid harm. User benefits include alignment with personal principles, fostering peace of mind. While details on performance are general, the focus on know-how empowers informed decisions. Unique aspects include money education resources for better planning. Potential drawbacks relate to narrower global reach in entry-level options, requiring upgrades for broader exposure. Overall, Booster suits those seeking ethical paths to retirement security in New Zealand. 

  • Key features: Ethical investment options, low-fee structures, KiwiSaver schemes.

  • Facts and Information: Many choose them for sustainable focus, aligning with personal values in planning.

7. Generate

Generate manages KiwiSaver and wealth for over 180,000 Kiwis, with a focus on growth. Auckland-based, they provide diversified funds. Strengths lie in strong returns during upturns, though risks rise in downturns. Some see fees as a minus. They work for active savers. As a Kiwi-owned provider, Generate emphasizes long-term performance through the KiwiSaver Scheme. Funds like Focused Growth highlight outperformance against averages, per industry reports. 

Diversification spans managed investments across categories, with options for easy investing via Managed Funds. Award-winning service includes People's Choice for satisfaction and trusted brand recognition. Mindful Funds exclude harmful sectors, supporting responsible choices. The app enables quick performance checks, aiding retirement tracking. User benefits encompass top-ranked outcomes in moderate categories over extended periods. While adhering to regulations, it offers straightforward growth paths. Overall, Generate delivers member-focused strategies for retirement savings enhancement. 

  • Key features: Growth-oriented funds, diversification tools, online access.

  • Facts and Information: Some benefit from their team approach, covering various asset types effectively.

8. Milford Asset Management

Milford Asset Management offers funds and KiwiSaver for retirement, with active strategies. Based in Auckland, they target consistent growth. Strengths include robust research, but market sensitivity can lead to dips. Weaknesses show in complexity for beginners. They suit informed investors. Managing substantial funds for numerous clients, Milford's KiwiSaver plan earns repeated awards for provider excellence and customer satisfaction. 

Easy online tools facilitate joining or switching, supporting retirement savings. Wealth Management for larger investors provides customized solutions. Diversification through fund suites aligns with goals, backed by a team investing personally in offerings. Digital advice and market insights via resources enhance planning. Community support through foundations adds value alignment. Performance emphasizes long-term returns, with testimonials praising convenience and results. While active approach suits many, it may overwhelm novices. Overall, Milford fosters confident retirement through award-winning value and tools. 

  • Key features: Active management, diversified portfolios, retirement-focused funds.

  • Facts and Information: Many rely on their expertise for balanced outcomes in New Zealand conditions.

9. Pathfinder

Pathfinder provides ethical KiwiSaver and funds, emphasising sustainability. Auckland-operated, they offer global exposure. Strengths are in responsible investing, though returns can lag in short terms. Some find options niche-specific as a limit. They attract value-driven planners. The firm focuses on ethical investments for retirement, screening for positive impacts. 

KiwiSaver options blend sustainability with growth, appealing to conscious savers. Global diversification broadens resilience against local markets. Resources support informed choices, aligning with values. While niche focus excels for some, it may restrict broader strategies. User benefits include commitment to societal good alongside financial goals. Overall, Pathfinder enhances retirement through ethical frameworks. 

  • Key features: Sustainable funds, global diversification, ethical screening.

  • Facts and Information: Some value their commitment to positive impacts, enhancing retirement security.

10. SuperLife

SuperLife delivers low-cost KiwiSaver and investment options for retirement. Part of Smartshares, they focus on index tracking. Strengths include affordability, but passive style might miss active gains. Weaknesses appear in limited customisation. They fit budget-savvy savers. Managed by NZX subsidiary, SuperLife offers KiwiSaver since 1996, with award-winning schemes for value. Low-fee index approach builds savings efficiently, with over 40 funds for customization. 

The investment scheme grows wealth outside KiwiSaver, using diversified and sector options. Workplace Savings extends benefits via employers. Diversification leverages ETFs for global reach and risk flexibility. Trusted expertise from stock exchange ties ensures reliability. User support includes direct contact and resources. While index-tracking limits active tweaks, it suits long-term holders. Performance comparisons aid decisions. Overall, SuperLife empowers cost-effective retirement building. 

  • Key features: Low-cost indexing, ETF-based funds, simple access.

  • Facts and Information: Many use them for straightforward, cost-effective growth over time.

Diversification Strategies for Long-Term Growth

Spreading investments across types like shares, bonds, and property helps manage risks. Many Kiwis add global elements to counter local market swings. This mix supports steady progress, especially when combined with regular adjustments. For those with complex needs, private wealth management refines these tactics. Some include alternative assets for extra resilience. 

Tax Considerations in Retirement Investments

Taxes affect returns, so understanding rules around KiwiSaver withdrawals and investment income helps. Many structure funds to minimise impacts, using tax-efficient vehicles. For overseas assets, compliance matters. Services like compound pro handle these details professionally. Some benefit from timing draws to stay in lower brackets. Always check current laws for accuracy.

Balancing Risk and Reward in Later Years

As retirement nears, shifting to conservative assets protects savings. Many reduce share exposure while keeping some growth to beat inflation. This balance maintains income potential without big losses. Quizzes like the risk assessment quiz help gauge shifts. For innovative edges, options like global growth bitcoin tilt KiwiSaver add controlled exposure. Regular advice keeps alignments fresh.

FAQ

What role does KiwiSaver play in retirement planning?

KiwiSaver boosts savings with employer and government inputs, making it a core option for many. Funds range from conservative to growth, fitting various stages. KiwiSaver schemes often include diversified assets to support long-term goals. It locks funds until 65, encouraging disciplined saving habits that build over decades.

How can I transfer overseas pensions to New Zealand?

Transfers from places like the UK or Australia integrate funds into local plans. This simplifies management and may offer tax perks. Specialist services handle compliance and conversions. UK pension transfer processes ensure smooth transitions, while Australian super transfers address cross-border rules.

Why is diversification key for retirement investments?

Diversification reduces reliance on single assets, smoothing returns over time. It covers shares, bonds, and more for balance. Many find it shields against economic dips. Compound portfolios exemplify this by blending various holdings to match personal needs.

What should I consider when nearing retirement?

Focus on income sources, health costs, and lifestyle needs. Adjust portfolios for stability while allowing some growth. Ongoing planning adapts to changes. Retirement planning involves reviewing risk levels to protect accumulated wealth.

Read Also

Discover the Best Investment Options for Retirement Planning in 2026 - Compound Wealth

Paul Souliac
Previous

Best Retirement Financial Planner in New Zealand
Next

Best Investment Advisers for Retirement Planning in 2026