Why Most KiwiSaver Funds Limit Crypto Exposure
And why that’s a problem if you want real control
Most KiwiSaver funds won’t touch crypto. Not because there’s zero value in it—but because it’s outside their comfort zone. Large fund managers typically stick to traditional assets, avoid volatility, and rarely shift course unless absolutely necessary.
That approach might suit some investors, but it leaves others boxed out of opportunities they’re actively looking for. If you want the ability to include crypto or blockchain-related investments in your long-term retirement strategy, the standard KiwiSaver setup just doesn’t cut it.
The status quo is risk-averse by design
Traditional providers prioritise scale, simplicity, and regulatory safety. It makes sense - they’re managing money for hundreds of thousands of people, and tailoring investments at an individual level doesn’t fit their model.
So crypto gets filtered out. Along with emerging tech themes, niche ETFs, and anything that requires a different way of thinking.
It’s not about whether crypto has a future. It’s about how rigid the current system is - and how slow it is to adapt.
If you're thinking ahead, you need more flexibility
We created Compound Pro for investors who want to move past the one-size-fits-all model. It’s a DIY KiwiSaver that lets you take control of how your money’s invested. That includes the option to add exposure to crypto-linked funds or blockchain thematics as part of your broader strategy.
We’re not promoting crypto as a sure thing - but we are saying you should have the option to include it if it fits your long-term view.
The point isn’t just crypto - it’s choice
The bigger issue here is control. You should be able to build a KiwiSaver portfolio that reflects your goals, your beliefs, and your outlook. If that includes tech, clean energy, or crypto - fine. If not, that’s fine too.
What matters is that the decision sits with you, not with a risk committee somewhere else.
Build a smarter KiwiSaver strategy
With Compound Pro, you don’t have to wait for the industry to catch up. You can invest with clarity, confidence, and the flexibility to shape your own retirement path - on your terms.
Explore Compound Pro and start building the KiwiSaver strategy you actually want.
Compound Pro is designed and managed by Compound Wealth in Mount Maunganui, helping investors across Tauranga, the Bay of Plenty, and New Zealand take full control of their KiwiSaver with a smarter, more flexible approach.
