KIWISAVER
Is it even worth it? It’s something we hear all the time and honestly, the answer depends on you. Most people think of KiwiSaver as just a retirement fund, but it’s much more flexible than that. Yes, it’s great for retirement, but it can also help you buy your first home, grow your savings, and even provide support if you hit tough times like medical or financial hardship.
The problem is that most people don’t fully understand how KiwiSaver works—or if it’s even the right option for their goals.
That’s where we come in. We’ll break it down in plain English, help you decide if it’s the right fit for you, and show you how to make the most of it no matter where you’re at.
The right provider, the right fund, the right contributions, and a clear plan can make a huge difference to your future wealth.
Right provider
Right fund
Maximising Contributions
First Home Withdrawals
Retirement Planning
Ongoing Reviews
Moving overseas
Setting up KiwiSaver for your Children
CHOOSING THE RIGHT
KIWISAVER PROVIDER
Everyone’s a bit different when it comes to what they want from KiwiSaver. Some people are all about returns, while others care more about where their money’s going or how easy it is to manage. Here are a few things worth considering:
Returns after fees – It’s not just about how much your fund earns, but how much you actually keep after fees are taken out.
Online access – Being able to check or manage your KiwiSaver easily, whenever you want, is a big plus.
Responsible investing – Want your money to support causes you care about? Some funds focus on ethical or sustainable investments.
Good customer service – It matters, especially when you have questions or need support.
Extra investment advice or options – Some providers go beyond KiwiSaver and help you grow your wealth in other ways too.
Access to an independent adviser – Having someone in your corner (who’s not tied to a provider) can be super helpful—especially when you’re thinking about withdrawals or making big financial decisions.
NZ owned – Supporting a locally owned provider might be something that’s important to you.
At the end of the day, it’s about finding a provider that feels right for you. Whether that’s based on performance, values, or just ease of use—it’s your call.
-
Not all KiwiSaver funds are the same. We assess your goals, risk tolerance, and financial situation to ensure you’re in the best fund for you.
Factors such as the timeframe for withdrawal, as well as the level of risk you are willing to take all help determine which is the right fund. The expert advisors at Roma & Co, will help to establish which fund meets your profile.
-
What should you be contributing to achieve your retirement target? And how do you make the most of employer and government contributions without overstretching your budget?
Our smart forecasting tools can show you how much you’ll have in retirement based on your current contribution levels and how making adjustments could impact your balance.
-
If you’ve been in KiwiSaver more than 3 years, you may be eligible to withdraw funds to assist with buying your first home. We’ll guide you through the process, making it easy to understand.
-
Right now, you're focused on enjoying life, but you know you should be planning for your retirement so you can support the lifestyle you want to lead.
Roma & Co can simplify your retirement planning for you. Our expert advisors will help you to answer the important questions.
-
Life changes and so should your KiwiSaver strategy. Events such as getting married, having children, buying a house, accidents, illness and job loss can affect the amount you’re able to contribute and your risk tolerance. Even aging can have an impact. We’re here to help you adjust your approach as your life evolves.
-
If you are moving overseas, you may have the choice of leaving your KiwiSaver in New Zealand, transferring it to the superannuation scheme that is in the country you a moving to, or taking it as cash. The options available to you depend on the country you are moving to. It’s important that you know all the pros and cons of your options so you can make an informed decision that will suit you in the long run. Roma & Co know all the ins and outs of KiwiSaver and can help you make the right decision for you.
-
You want to set your children up to be supported and financially stable. Wouldn’t it be amazing if you could help provide the deposit for their house. But what is the best way to do this?
One option is to set up a KiwiSaver account and make regular contributions. It can provide great returns and could supplement a savings plan towards that first home.
HELPING YOU DETERMINE IF IT’S RIGHT FOR YOU
KiwiSaver is a fantastic way to grow your savings and set you up financially for the future, however it’s not for everyone. If you’ve got other priorities such as debt you want to repay then it may make sense for you not to be in KiwiSaver. Roma & Co can help you review your financial goals to establish how KiwiSaver could play a role.