KiwiSaver Comparison NZ
Compare free, no-obligation KiwiSaver fund options from a panel of New Zealand providers in one place.
How our KiwiSaver comparison works
Tell us your age, your current balance and how comfortable you are with market movement. We pass your enquiry to qualified New Zealand advisers who can show you scheme and fund options that match your goals. You receive a comparison of fees, risk profile, historic returns and the underlying asset mix.
The service is free, there is no obligation to switch providers, and the advisers must give advice that puts your interests first.
What you need to provide
- Your age and target retirement age (or first-home goal)
- Approximate current KiwiSaver balance and contribution rate
- Your current provider and fund type, if you know it
- How you would feel about a temporary fall in balance
- Contact details so an adviser can talk through the options
Why use MoneyGuru
Default KiwiSaver settings are not designed for everyone, and a small difference in fund choice or fee level can add up to thousands of dollars over a working life. MoneyGuru connects you with licensed financial advisers who explain the trade-offs in plain English and help you choose a fund that fits your goals.
There is no consumer fee and you stay in control of any switch.
Common questions
Will switching KiwiSaver providers cost me anything?
Switching providers is free and your balance moves across in full. Your contributions continue from your existing employer and IRD setup without a break.
Which fund type is right for me?
The right fund depends on how long until you need the money and how comfortable you are with short-term losses. Younger members investing for retirement often choose growth funds, while members buying a first home soon usually shift to a conservative fund.
Can I have more than one KiwiSaver account?
No. Each member can only have one KiwiSaver account at a time. You can, however, split your balance across multiple funds within the same scheme if your provider supports it.