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6 steps to get your money Sorted
6 steps to get your money Sorted

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Manage your money like a boss in just six steps
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Investing in KiwiSaver will get you ahead and set up long-term savings for your retirement or your first home. Congrats – you’ve made the first step by signing up. Now’s your chance to make the most of it.

KiwiSaver is a team effort! The government and your employer also contribute to your savings – but remember you have to contribute to get that money. You can use our calculator to estimate what results you could have based on how much you’ll be putting in.

An important decision when you’re starting out in KiwiSaver is selecting your fund. We have a tool to help you find out what type of fund suits (balanced, growth, etc), then sort through funds of that type to choose one.

kiwisaver fund finder v2

Find the best KiwiSaver fund for you

Selecting a KiwiSaver fund doesn’t have to be hard. This tool rates them all and lets you compare based on the fees charged over your entire KiwiSaver experience.

Start now

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Top money hacks

  • Find the right type of fund for you first. There could be a $130k difference by retirement between a conservative and a growth fund.
  • Improve your future KiwiSaver results by looking into your fund type, getting all the government and employer money, keeping your fees reasonable, and lifting your contributions.
  • Small shifts in contributions sooner generally lead to outsized results later, thanks to compounding returns.
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Next steps

To get on your way sorting your KiwiSaver, here are some key actions to take.

Know how it works

KiwiSaver is so much more than a saving account – it has multiple contributions going in that earn you returns when they’re invested. Here’s more.

Pick your fund

Find the right type of fund for you (eg, balanced, growth), then sort through funds of that type. You’ll be ready to make an informed choice and switch.

Forecast your future

Your future KiwiSaver results depend on how much you, your employer and the government contribute… and what type of fund you’re in. See how much.