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Start your personalised retirement planning here:
Retirement might feel far away, but starting early gives you one of the biggest advantages you have. Use it.
The good news: you don't need to have it all figured out right now. Even small steps taken today – like checking your KiwiSaver fund or getting a sense of your retirement number – can make a huge difference down the track. That's the magic of time.
“It helped me to confirm how much I needed to save for retirement.”
– Sorted user
Find out your number
How much will you actually need to retire comfortably? It’s easier to plan when you have a figure to aim for. Use Sorted’s retirement calculator to enter your target, then see whether your savings are on track to get there – and what changes could close the gap.
Top retirement saving hacks
- Time is your greatest asset. The earlier you start putting money aside for retirement, the more compound interest works for you. Even small, regular contributions now can grow significantly by the time you reach 65.
- Make sure your KiwiSaver fund matches your timeline. If retirement is still decades away, the type of fund you choose can make a big difference. Higher-growth funds come with more short-term ups and downs, but also more potential for growth over time. It’s worth understanding the trade-offs and checking your fund type suits your situation.
- Contribute enough to get the full employer match in KiwiSaver – it’s essentially extra money, so don’t leave it on the table.
- Build an emergency fund alongside your saving and investing. Investing and saving for retirement works best when you’re not forced to dip into it at the wrong moment.
“Sorted… helps me to plan for my retirement – that’s something I’ve started to think about since I turned 30.”
– Sorted user
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Let these videos, guides and blogs help you lay the foundations – including what NZ Super provides and what gap you’ll need to fill above it.
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How to plan, save and invest for retirement
A solid overview of what retirement planning actually involves – and how to approach it step by step.
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Your investment profile
Understanding what type of investor you are helps you choose the right KiwiSaver fund and investments for your stage of life.
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Investment funds
Funds make investing straightforward – and if you’re in KiwiSaver, you’re already in at least one. Here’s how they work.
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How to grow your first million dollars
Hint: start early. Get saving and investing soon enough, and a comfortable retirement doesn’t require an extraordinary income.
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Where will you be in KiwiSaver at 65?
Two straightforward ways to drive up your KiwiSaver results over time.
Guide
How to build up your emergency savings
A financial safety net means your long–term savings can keep doing their job – uninterrupted.
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Get $260 in your KiwiSaver
The government puts free money into your KiwiSaver every year – but only if you top-up your account it. Here are five simple steps to make sure you're not leaving it behind.
Know your KiwiSaver
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Plan for retirement
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Get help if you need it
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Feeling stuck?
Flick a question to the Sorted team, or reach out to MoneyTalks on 0800 345 123 for personalised help.
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