KiwiSaver Advisor Services
KiwiSaver advisors to help future-proof your life
Saving for retirement or planning to purchase your first home? We provide clear and practical KiwiSaver advice to help you understand your options and make informed decisions about your savings.
Understanding How KiwiSaver Works
KiwiSaver is a long-term savings scheme designed to help New Zealanders grow their retirement savings while also supporting first home buyers. With contributions from both employers and the Government, it can be a valuable financial tool when used wisely.
Employer Contributions
As part of KiwiSaver, most employers contribute an additional 3.5% per cent of your salary into your KiwiSaver account. This contribution effectively boosts your savings and helps your retirement fund grow faster over time.
Government Contributions
The New Zealand Government contributes up to $260.72 each year into your KiwiSaver account when you meet the minimum contribution requirements. These contributions provide an additional boost to your savings each year.
Voluntary Contributions
You can grow your KiwiSaver balance faster by making voluntary contributions on top of your regular payments. Even small extra amounts can make a meaningful difference over time through compound growth.
Choosing the Right Fund
KiwiSaver funds are typically structured as Conservative, Balanced, or Growth. Each option carries a different level of risk and potential return. At MIK Solutions, we can help you understand these options and determine which type of fund will suit your situation.
Expert KiwiSaver Advisors
Let the experienced team at MIK Solutions help you understand how KiwiSaver can support your financial future. Whether you are saving for retirement or planning to purchase your first home, we can help you make informed decisions about your KiwiSaver strategy
"Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn't, pays it."
- Albert Einstein
Helping Kiwis Into Their First Home
Real outcomes for real New Zealanders. Here is a snapshot of the difference MIK Solutions has made for first home buyers across the country.
Clients have successfully withdrawn funds for their first home
Total withdrawn for first home purchases (as of 31 March 2026)
KiwiSaver By The Numbers
1 in 3 KiwiSaver members aren’t currently contributing.
Source: IRD, 2024
Over a lifetime, financial advice can lead to over 250% more in retirement savings
Source: ‘The Future of Retirement Power of Planning’, HSBC 2011
1M Kiwis are still invested in default or conservative funds. These serve a purpose but may not be right for your situation.
Source: FMA, 2024
Only 18% of Kiwi’s have ever received financial advice.
Source: FMA, 2024
Maximising Your KiwiSaver Potential
I always recommend that my clients transfer their KiwiSaver from a bank to a KiwiSaver specialist. The main reason is simple: KiwiSaver specialists focus solely on KiwiSaver. Historically, their performance has consistently ranked among the top performers in the market. This can mean a larger home deposit and a stronger retirement balance, giving you more choices and flexibility in the future.
Another recommendation I often make is contributing 10% rather than the minimum 3.50%, if your circumstances allow. You’ll be amazed at how quickly your KiwiSaver can grow over time.
For perspective, in Australia the minimum superannuation contribution is 12%. As a result, many Australians retire with superannuation balances in the hundreds of thousands of dollars. Wouldn’t it be great to have that level of financial comfort when you reach retirement?
Ready to get the right KiwiSaver advice?
Speak with the experienced team at MIK Solutions and start building a KiwiSaver strategy that works for your future.
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