Invest Your KiwiSaver in Bitcoin
A new way to align your KiwiSaver with your convictions
Through the KiwiWRAP KiwiSaver Scheme, investors can access a curated selection of Bitcoin and blockchain-related securities. Whether you’re seeking full exposure or a strategic allocation alongside global equities, commodities, or fixed interest, we’ll structure a portfolio tailored to your long-term objectives.
What’s Available on KiwiWRAP
Here are a few of the crypto and Bitcoin-focused securities currently listed in the KiwiWRAP Investment Options Supplement (IOS):
iShares Bitcoin Trust (IBIT)
Fidelity Bitcoin ETF (FBTC)
Strategy (MSTR)
IREN (IREN)
Fidelity Ethereum Fund (FETH)
Valkyrie Bitcoin Miners ETF (WGMI)
Global X BlockChain & Bitcoin Strategy ETF (BITS)
Strategy Perpetual Preferred Stock (STRF, STRD, STRK & STRC)
For a full list please refer to the Investment Options Supplement here
Conviction & Outcomes
In recent years, more and more Compound Wealth clients have chosen to build high conviction portfolios through the KiwiWRAP KiwiSaver Scheme, backing their long-term beliefs in innovation, digital assets, and technology.
Investments in companies like Strategy, Nvidia, Palantir, Rocket Lab, IREN, Tesla, Super Micro Computer, CrowdStrike and the iShares Bitcoin Trust (IBIT) have performed extremely well. Some clients have seen these holdings grow many times over, in several cases more than tenfold, helping push some KiwiSaver balances past $2 million.
These results highlight what’s possible when smart portfolio construction is combined with genuine conviction. Every portfolio is different, and returns will always depend on each investor’s strategy, risk profile, and timing. But the idea is simple: owning great assets for the long term can lead to exceptional outcomes.
How It Works
A minimum balance of $100,000 in KiwiSaver provides access to our Global Growth + Bitcoin Tilt Portfolio, designed for investors who want disciplined diversification with meaningful Bitcoin exposure.
This model includes:
30% allocation to the iShares Bitcoin Trust (IBIT) – the world’s largest and fastest-growing Bitcoin ETF
68% in the Kernel High Growth Fund, offering globally diversified, low cost equity exposure
2% held in cash for fees and tax
For bespoke or high-conviction portfolios, a minimum balance of $300,000 applies.
Flexible Options
High-Conviction Allocation: Up to 99% exposure to Bitcoin and related securities (for eligible investors).
Why Use KiwiWRAP?
24/7 online access to your KiwiSaver
Full transparency of holdings, broken down per asset
Performance reporting for every investment
Tax obligations handled within the scheme
Ability to request new securities
Flat tax rate of 28% — appealing for investors on higher marginal tax rates. For high-net-worth investors and those aged over 65, the KiwiWRAP KiwiSaver Scheme can provide an effective way to reduce the tax paid on investment earnings compared to holding the same assets outside a KiwiSaver structure.
Is This For You?
This approach suits:
Investors who believe in Bitcoin long term
Those comfortable with significant volatility
People who want their KiwiSaver to reflect their outlook
Next Steps
If you’re curious, the best step is just to ask. We’ll have a quick chat to:
See whether the eligible investor criteria applies to you .
Walk you through the available options.
Enquire today: adam@compoundwealth.co.nz or complete our KiwiSaver Discovery Quiz and I can call you to discuss suitability/options.
Important Information
This content is for information only and does not constitute personalised financial advice. Any Bitcoin allocation is client-directed and suitable only for investors who understand the risks, including extreme volatility and the potential for permanent capital loss. Not suitable for first-home withdrawals or short-term needs.