Top KiwiSaver Advice in New Zealand (2026)

Written By Paul Souliac

Looking for solid KiwiSaver advice to build a stronger future? Many people in New Zealand turn to this scheme for retirement security. It matches personal goals with fund options that fit risk levels and life stages. Focus on providers that offer clear plans and strong support. This post shares practical tips to help you pick wisely and avoid common pitfalls. Discover top KiwiSaver advice in New Zealand for 2026.

Discover the Top KiwiSaver Advice in New Zealand - Compound Wealth

Understanding KiwiSaver Basics

KiwiSaver helps Kiwis save for retirement through voluntary contributions from pay, with employer matches and government boosts. Fund types come in conservative for low risk, balanced for steady growth, or growth for higher potential over time. Some people start young to let savings compound, while others join later to catch up. Check your current setup often, as life changes might call for adjustments. Tools like risk quizzes can guide you.

Providers manage these, investing in shares, bonds, or property. KiwiSaver advice often points to matching funds with your timeline. For instance, younger savers might lean toward growth options. Always review provider track records for reliability.

Key Factors When Picking a Provider

Think about what matters most: fund variety, customer service, and ethical investing. Providers differ in how they handle global markets or local assets. Some emphasise tech or sustainable choices, while others stick to traditional mixes. Look at how easy it is to track progress online or get help. Fees play a role too, but focus on overall value. 

Personal advice can make a big difference for complex situations, like transfers from overseas schemes. After choosing a provider, monitor performance quarterly. If needed, switch without hassle. Retirement planning ties in here, blending KiwiSaver with other savings.

Top KiwiSaver Providers in New Zealand

1. Compound Wealth - Best KiwiSaver Provider

Compound Wealth KiwiSaver advice stands out with its bespoke approach, crafting plans that fit individual lifestyles and goals. Based in New Zealand, this provider draws on global research to deliver strategies that aim for strong long-term results. Clients get access to open-architecture solutions, allowing flexibility beyond standard funds. This means broader diversification into specialist areas like innovative assets and high-growth opportunities. The team reviews balances thoroughly, suggesting switches to optimised portfolios that align with risk tolerance. Many appreciate the clear communication and smooth processes for setup or changes. 

Unique features include personalised cashflow modelling to visualise retirement outcomes. Standout aspects shine in how they integrate emerging trends, such as tilting toward future-focused investments. Users benefit from dedicated support that keeps plans on track, adapting to market shifts. Facts and information highlight their advice over a large pool of assets nationwide, showing trust from thousands of Kiwis. Key positive traits include tailored global growth Bitcoin tilt KiwiSaver options that blend traditional and modern elements for enhanced potential. Their Compound Portfolios offer diversified mixes, while Compound Pro adds advanced tools for serious savers. This provider excels at making complex decisions simple, with a focus on client success.

About Compound Wealth

Compound Wealth is a leading financial advisory firm based in Mount Maunganui, New Zealand. Founded in 2017 by Adam Stewart, 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 cashflow 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 like Adam and Bruce.

  • 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. ANZ Investments

ANZ ranks among the largest providers in New Zealand, serving hundreds of thousands of members with a variety of fund options tailored to different life stages. Headquartered in Auckland, New Zealand, it draws on the bank's extensive resources to offer seamless integration with everyday banking services, making it convenient for existing customers to manage their retirement savings alongside other accounts. Funds invest across a broad spectrum, including New Zealand equities, international shares, fixed interest securities, and property, aiming to provide balanced exposure to global markets. 

Strengths include robust online platforms for real-time tracking and educational materials that help users understand market dynamics. However, some members note that the range of ethical investment options could be expanded to meet growing demand for sustainable choices, and personalisation might not go as deep as boutique firms. Overall, it's a solid choice for those seeking stability from a major institution with a long history in financial services. The provider emphasises risk management through diversified portfolios, which can appeal to conservative investors looking for steady progress without excessive volatility.

  • Multiple fund categories from defensive to aggressive, mobile app for account management, automatic rebalancing tools.

  • Handles a significant portion of the market, with investments in over 50 countries for wide diversification.

3. ASB Group Investments

ASB offers accessible retirement saving solutions backed by one of New Zealand's leading banks. Based in Auckland, New Zealand, it caters to a wide audience with funds that span conservative, balanced, and growth strategies, investing in assets like shares, bonds, and property both locally and abroad. The provider stands out for its user-friendly digital interfaces, which allow easy monitoring of contributions and performance through integrated banking apps. Strengths encompass quick setup processes and supportive customer service channels, including in-branch assistance. 

On the flip side, some users feel the innovation in fund tilts, such as toward emerging technologies, lags behind more specialised competitors, potentially limiting options for those seeking cutting-edge investments. Nevertheless, ASB focuses on delivering consistent results through proven asset allocation methods, making it suitable for everyday savers who value simplicity and reliability. Educational resources on the platform guide members in aligning their savings with personal financial goals, fostering informed decision-making.

  • Integrated banking tools, diverse asset classes, first-home withdrawal support.

  • Popular for its nationwide branch network, aiding in-person consultations for complex queries.

4. NZ Funds

NZ Funds specialises in active management for enhanced retirement outcomes. Based in Auckland, New Zealand, the provider offers a suite of funds that include growth, income, and balanced options, drawing from global and local opportunities in equities, bonds, and alternatives. Strengths are evident in its life-cycle strategies that automatically adjust risk as members age, coupled with tools for personalised portfolio building. 

Members enjoy responsible investing focuses and resources on market insights. Weaknesses could involve potential for higher volatility in active funds, requiring tolerance for market ups and downs. Overall, NZ Funds stands out for its commitment to long-term growth, making it a go-to for savers wanting professional oversight. The team uses in-depth research to guide allocations, helping clients navigate complex financial landscapes.

  • Life-cycle fund adjustments, diversified asset classes, responsible investing integration.

  • Managing Kiwi wealth since 1988, with holdings in global markets for broad exposure.

5. BNZ

BNZ delivers practical and straightforward funds for Kiwi savers across the country. Headquartered in Wellington, New Zealand, it offers choices from low-risk defensive funds to higher-potential growth ones, with investments in shares, bonds, cash, and property markets worldwide. Strengths lie in its excellent customer service, featuring dedicated helplines and online dashboards that make tracking effortless. 

The provider integrates well with personal banking, allowing seamless transfers and adjustments. Some drawbacks include a more limited selection of niche or ethical funds compared to others, which might not fully satisfy those with specific value-based preferences. Despite this, BNZ commits to transparent operations and regular updates on economic trends affecting savings. It's ideal for individuals who appreciate a bank-centric approach with reliable support systems in place.

  • Customisable alerts, broad market exposure, easy employer integration.

  • Attracts users through its digital innovation, covering diverse economic sectors.

6. Booster Investment Management

Booster specialises in active and ethical fund management for enhanced retirement outcomes. Based in Wellington, New Zealand, the provider offers a suite of funds that include geared growth options and socially responsible investments, drawing from local and global opportunities in equities, property, and renewables. Strengths are evident in its proactive strategies that seek to outperform benchmarks, coupled with tools for personalised portfolio building. 

Members enjoy educational webinars and resources on sustainable investing. Weaknesses could involve higher potential for short-term fluctuations in aggressive funds, requiring tolerance for market ups and downs. Overall, Booster stands out for its commitment to values-driven choices, making it a go-to for ethically minded savers. The team uses in-depth research to guide allocations, helping clients navigate complex financial landscapes.

  • Ethical filters, geared investment options, interactive planning calculators.

  • Focuses on impact investing, with holdings in green energy and community projects.

7. Quay Street Asset Management

Quay Street Asset Management emphasises active management for efficient wealth accumulation. Headquartered in Auckland, New Zealand, it provides funds that blend local and global assets, covering shares, bonds, and alternatives with a focus on high-conviction picks. Strengths include a dedicated team that adapts to market shifts, delivering competitive results over time, and transparent reporting that keeps members informed. 

The platform offers easy fund switches and goal-setting features tailored to individual timelines. However, it may lack the breadth of passive options found elsewhere, potentially missing out on low-cost tracking in stable periods. Quay Street Asset Management appeals to long-term investors who prefer a hands-on method with targeted exposure. Its approach leverages in-house expertise while maximising participation in promising sectors.

  • Active asset selection, educational seminars, flexible risk levels.

  • Recognised for strong management, holding positions in high-potential sectors.

8. Simplicity

Simplicity operates as a not-for-profit entity focused on affordable, passive investing. Located in Auckland, New Zealand, the scheme invests in index funds across equities, bonds, and property, with a strong emphasis on low overheads and charitable contributions. Strengths shine in its member-centric model, donating profits to good causes while providing solid diversification. 

Users praise the intuitive app and clear communication. Weaknesses might stem from limited active strategies, which could underperform in certain market conditions compared to hands-on providers. Simplicity suits cost-aware individuals seeking ethical, uncomplicated savings growth. It promotes financial literacy through accessible guides.

  • Automatic diversification, charity-linked benefits, simple fee structures.

  • Appeals to value-driven savers, with investments in sustainable indices.

9. Milford Asset Management

Milford excels in active investing with a proven track record. Based in Auckland, New Zealand, it targets undervalued assets in shares, fixed interest, and alternatives, both locally and globally. Strengths include experienced fund managers who adapt to market shifts, delivering competitive results over time. 

The provider offers investor events and detailed insights. Some weaknesses involve the need for closer monitoring due to active style, which might not suit passive preferences. Milford is great for those wanting professional oversight and growth potential. Its strategies leverage in-house expertise for optimised portfolios.

  • Active asset selection, educational seminars, flexible risk levels.

  • Recognised for strong management, holding positions in high-potential sectors.

10. SuperLife

SuperLife boasts an extensive array of funds for customised strategies. Headquartered in Auckland, New Zealand, it allows mixing over 40 options, including sector-specific like tech or emerging markets, alongside traditional assets. Strengths feature high flexibility for self-directed investors and tools for allocation tweaks. Members can access niche investments easily. Weaknesses may include overwhelming variety for novices, requiring more research to optimise. SuperLife fits diverse needs, from conservative to adventurous savers. It supports informed choices with comprehensive data.

  • Wide fund selection, sector tilts, self-management platforms.

  • Enables targeted exposures, covering global niches effectively.

11. AMP

AMP offers a range of funds suited to various investor profiles in New Zealand. With operations based in Auckland, New Zealand, though Australian-owned, it invests in diversified portfolios of shares, bonds, property, and cash, focusing on long-term stability. Strengths encompass its established international backing, providing access to global research and broad asset classes. 

The platform includes planning tools and support for life changes like home buying. However, some reviews point to room for improvement in customer satisfaction metrics, with calls for enhanced digital features to match peers. AMP remains a viable option for those integrated with its insurance or other services, emphasising secure growth paths. It draws on decades of experience to guide members toward retirement readiness.

  • Life-stage funds, withdrawal assistance, integrated financial advice.

  • Serves a wide demographic, with emphasis on balanced international holdings.

12. Fisher Funds

Fisher Funds delivers growth-oriented funds with a focus on quality investments. Headquartered in Auckland, New Zealand, the provider selects high-conviction stocks and bonds from local and overseas markets, aiming for superior returns. Strengths lie in its dedicated investment team, which conducts thorough analysis for portfolio construction. 

Members benefit from regular updates and personalised reporting. Weaknesses could involve sensitivity to market downturns in equity-heavy funds, necessitating patience from investors. Fisher Funds appeals to those seeking active management with a track record of outperformance. Its approach prioritises long-term value creation through selective strategies.

  • High-conviction picks, performance tracking, goal-oriented planning.

  • Known for equity expertise, investing in promising companies worldwide.

13. Generate

Generate stands out for its user-friendly app and strong satisfaction ratings. Based in Auckland, New Zealand, it offers funds across conservative to aggressive spectrums, investing in equities, property, and fixed income with a blend of active and passive elements. Strengths include intuitive digital tools for monitoring and high member engagement through features like goal visualisation. 

The provider adapts to individual needs with flexible options. Some weaknesses may appear in smaller scale compared to banks, potentially limiting branch access. Generate excels for tech-savvy savers valuing ease and positive experiences. It fosters growth through tailored advice channels.

  • App-based management, diversified mixes, member-focused innovations.

  • Highly rated for accessibility, covering key growth areas.

14. Mercer

Mercer provides professional fund management with global insights. Headquartered in Wellington, New Zealand, it draws on international expertise to invest in shares, bonds, and alternatives, emphasising diversification and risk control. Strengths feature sophisticated analytics and sustainable integration in portfolios. Members access advisory services and detailed benchmarks. Weaknesses might include less emphasis on niche trends, favouring broad strategies. Mercer suits institutional-minded investors seeking reliable, data-driven approaches. Its global network enhances decision-making for local savers.

  • Risk mitigation tools, sustainable options, comprehensive reviews.

  • Leverages worldwide knowledge, focusing on stable asset classes.

15. Kernel

Kernel focuses on low-cost, index-linked funds for efficient saving. Located in Auckland, New Zealand, it tracks market indices in equities and bonds, offering simple, transparent investing with minimal intervention. Strengths include affordability and straightforward access via online platforms, ideal for passive strategies. The provider promotes financial education and easy onboarding. Weaknesses could stem from limited customisation beyond core funds, suiting basic needs more than complex ones. Kernel attracts cost-conscious individuals aiming for market-matching growth. It emphasises clarity in operations.

  • Index-based tracking, user-friendly interfaces, low-overhead models.

  • Targets broad market participation, with clean, efficient structures.

How to Switch KiwiSaver Providers Smoothly

Switching involves filling a form with your new provider, who handles the transfer. It takes weeks, with no tax hits or breaks in saving. Many switch for better alignment with goals, like moving to growth fund setups. Check for any locked benefits first. Australian super transfers can tie in if you have overseas funds. UK pension transfer options might apply for some, bringing all savings together.

Benefits of Personalised KiwiSaver Strategies

Tailored plans consider age, income, and retirement dreams, often using modelling tools. Some providers offer private wealth services for larger balances. This approach avoids one-size-fits-all pitfalls, adapting to market changes. A risk assessment quiz helps pinpoint your style.

Future KiwiSaver Trends in 2026

  • Expect more focus on sustainable investing and digital tools for tracking. 

  • Providers might expand global tilts, including tech and green energy. 

  • Government updates could enhance flexibility for withdrawals. 

  • Many anticipate easier overseas transfers, boosting options.

  • Stay informed through bulletins or consultations.

FAQ

What makes a good KiwiSaver fund choice?

A strong fund aligns with your personal objectives, such as saving for a home or building long-term wealth. Factors like tax efficiency play a part in maximising returns over time. Ethical considerations allow for investments that match your values, focusing on sustainable practices. Tools for evaluating comfort with market fluctuations, like a risk assessment quiz, aid in selecting the right mix of assets.

How does KiwiSaver help with retirement?

The KiwiSaver scheme encourages steady saving through automatic deductions, building a substantial fund by the time you reach eligibility age. It offers flexibility to keep funds invested post-retirement for continued growth. Integrating it with broader strategies enhances security in later years. Aspects of retirement planning tie in, ensuring your savings support lifestyle goals effectively.

Can I transfer overseas pensions to KiwiSaver?

Certain overseas schemes allow transfers to consolidate funds into one place for easier management. Rules vary by country, with options for handling tax on arrival in New Zealand schemes. This process unifies savings under local regulations. Details on UK pension transfer and Australian super transfers provide clarity on eligibility and steps involved.

Why review my KiwiSaver setup yearly?

Regular checks account for shifts in personal circumstances, like career changes or family additions. They ensure your fund type remains suitable amid evolving market conditions. Upcoming adjustments, such as higher default contribution rates, make timely reviews beneficial for optimisation.

Discover the Top KiwiSaver Advice in New Zealand - Compound Wealth

Paul Souliac
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