LiftOff / KiwiSaver Advice
$340k
projected lifetime gain from a single fund switch.
Most KiwiSavers are in the wrong fund. That number is real — and avoidable.
Make your
KiwiSaver
work harder.
We compare
KiwiSaver Advice
Most Kiwis are
in the wrong fund
and don't know it.
3.4M+
KiwiSaver members — the majority have never reviewed their fund type since enrolling.
$260
government Member Tax Credit per year from 1 July 2025 — still worth claiming, but only if you contribute at least $1,042.
40yr+
of compounding growth available to a 25-year-old. Every year in the wrong fund costs more than the last.
Personalised
Advice specific to you,
not generic guidance.
What You Get
Advice that is
actually yours to keep.
Every engagement ends with a written Statement of Advice — not a conversation and a handshake. Documented, regulated, and specific to your situation.
Fund recommendation
A specific fund matched to your timeline and risk tolerance — with the reasoning, not just the answer.
Contribution strategy
A rate that works around your debt, savings, and income — not just the default 3%.
Written advice document
A Statement of Advice in writing. Regulated, personalised, and yours to keep.
Annual reviews
Your advice stays current as your life changes. We check in every year.
KiwiSaver advice is charged at 0.25% p.a. on your balance under advice. Full fee schedule →
Our Process
Simple, straightforward,
and on your terms.
From first conversation to written advice, most engagements wrap up within two weeks. No unnecessary meetings, no endless back-and-forth.
01
Discovery
A conversation about your current setup and goals. No jargon, no pressure.
02
Analysis
We review your fund, contribution rate, and eligibility for every government benefit.
03
Written Advice
A Statement of Advice documenting our recommendation and the reasoning behind it.
04
Implementation
We help you action the changes — fund switch, contribution update, or first home withdrawal.
Providers
Provider-agnostic.
Always.
We are not tied to any KiwiSaver scheme. Our advice is based entirely on what fits your situation — not which provider pays a referral fee. We work across all major providers and can advise you regardless of who you are currently with.
Booster
Fisher Funds
Generate
Kernel Wealth
Milford
Pie KiwiSaver
Simplicity
Superlife
ANZ
ASB
BNZ
Westpac
Common Questions
Can I use my KiwiSaver for a first home purchase?
Yes. If you have been contributing for at least 3 years you can withdraw most of your balance (excluding $1,000) toward a qualifying first home purchase. We check your eligibility and help you time the withdrawal correctly.
What is the Member Tax Credit?
The government contributes up to $521.43 per year (from 1 July 2025) to your KiwiSaver if you contribute at least $1,042 per year yourself. It is one of the best guaranteed returns available to any investor — and most Kiwis don't fully capture it.
What if I am self-employed?
KiwiSaver is optional for the self-employed and you receive no employer match, but the government Member Tax Credit still applies. Your contribution strategy needs to account for the different dynamics — we help you figure out the right rate.
KiwiSaver Advice
Are you in the
right fund?
A single fund switch can be worth hundreds of thousands of dollars over a lifetime. Let's find out where you actually stand.
Get KiwiSaver Advice