DIY KiwiSaver - build your own KiwiSaver portfolio
KiwiSaver Is Evolving — And So Should Your Strategy
With over 3 million New Zealanders enrolled and more than $100 billion invested, KiwiSaver is arguably the most successful financial product in our history — and it’s still evolving.
One of the most powerful developments in recent years is the ability for investors to work alongside a financial adviser to shape a more personalised investment strategy. Through the KiwiWRAP KiwiSaver Scheme, managed by Consilium NZ Limited, we can now build tailored KiwiSaver portfolios that go far beyond the limits of traditional funds.
Rather than self-managing, you partner with us to implement a strategy that reflects your goals, preferences, and convictions — including concentrated positions or access to unique exposures not typically available in mainstream KiwiSaver funds, such as Bitcoin ETFs, gold thematics, or high-conviction individual stocks.
This self-select structure gives us access to an extensive Authorised Investment List (AIL) featuring over 400 securities — including ETFs, managed funds, international shares, and bonds. It allows for far more control, customisation, and transparency than the typical “set-and-forget” approach.
At Compound Wealth, we offer two pathways under KiwiWRAP:
Compound Model Portfolios – Professionally managed and globally diversified, these are available to investors with $50k or more in KiwiSaver.
Compound Pro (Bespoke Portfolios) – Tailored strategies for investors with $500k+ in KiwiSaver or broader retirement savings. In some cases, Eligible Investors or Professional Investors with lower balances may also qualify — assessed on a case-by-case basis.
While DIY-style KiwiSaver isn’t new (Craigs Investment Partners also offers a self-select scheme), KiwiWRAP opens up a much larger investment universe, giving you the freedom to shape a strategy that’s truly your own — without doing it alone.
Over the past few years, we’ve helped clients implement highly customised KiwiSaver portfolios designed to reflect their personal convictions, long-term goals, and appetite for risk — with outstanding results.
If you're an engaged investor looking to take a more intentional and strategic approach to your KiwiSaver, we’re here to help.
To view the full list of available securities, refer to the KiwiWRAP KiwiSaver Scheme Investment Options Supplement.
Benefits of KiwiSaver funds v self-select KiwiSaver via KiwiWRAP KiwiSaver Scheme:
Benefits of KiwiSaver funds:
Ease and Conveniance - KiwiSaver funds are professionally managed, making them perfect for a hands-off approach. You select your risk level, and the experts do the rest.
Broad diversification - most KiwiSaver funds offer a broad level of diversification across various asset classes and global markets.
Expert Oversight - Professional fund managers leverage market research and analysis to optimise returns while actively managing risk.
Benefits of self-selecting individual shares or funds:
Personalisation - Self-directed portfolios can be customised to align closely with your financial goals, values, and risk tolerance.
Global opportunities - Gain access to top companies and funds across global markets, broadening your portfolio's scope and potential.
Flexibility in security weightings - There are no preset caps on security weightings. This allows you to have significant exposure to a single stock or sector if you believe it aligns with your strategy, offering unique opportunities for high-conviction investing.
Potential for higher returns - With high-conviction investments, self-directed portfolios can outperform managed funds—though this approach involves greater risk and requires active management.
Take Control of Your KiwiSaver with a Self-Managed Approach
Are you an engaged investor or someone who wants more control over your retirement savings? A bespoke KiwiSaver strategy could be the solution you've been searching for. These schemes empower you to tailor your portfolio to your unique investment preferences, offering unparalleled flexibility and the freedom to self-select your investments for a more hands-on approach to your financial future.
Visit our CompoundPro page for more information.
Compound Wealth are based in Mount Maunganui, Tauranga and offer KiwiSaver, Investment & Retirement Planning services to clients all over New Zealand.