KiwiSaver
Make your KiwiSaver work harder - whether you’re an individual, employer, charity, or not-for-profit.
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Book a free consultationIs Your KiwiSaver Working as Hard as You Are?
KiwiSaver is one of New Zealand’s most powerful wealth-building tools, yet many Kiwis are in the wrong fund, contributing too little, or missing out on free government money. Whether you’re just starting out or approaching retirement, the right KiwiSaver strategy can make a significant difference to your financial future.
At Moana Financial Services, we provide clear, personalised KiwiSaver advice for individuals, families, employers, and organisations - including charities and not-for-profits who want to ensure they’re meeting their obligations and supporting their staff.
What’s Changed: The 2026 KiwiSaver Updates
From 1 April 2026, the default KiwiSaver contribution rate increased from 3% to 3.5% for both employees and employers. A further increase to 4% is scheduled for 1 April 2028. These changes mean more money flowing into your KiwiSaver - but also more questions about whether your current settings are right for you.
Other key changes include employer contributions now being compulsory for eligible 16 and 17-year-olds, and the government contribution being set at 25 cents per dollar you contribute, up to $260.72 per year for those earning under $180,000.
How We Help
For Individuals and Families:
Choosing the right KiwiSaver fund type for your goals, timeframe, and risk tolerance
Understanding your contribution rate options and maximising employer and government contributions
Using KiwiSaver toward your first home - including withdrawal rules and the First Home Grant
Reviewing your fund’s performance and fees to ensure you’re not paying more than you need to
Planning your KiwiSaver withdrawal strategy as you approach retirement
For Employers, Charities, and Not-for-Profits
Ensuring your payroll is correctly set up for the new 3.5% default contribution rate
Understanding your auto-enrolment obligations and handling opt-outs
Managing temporary rate reductions for employees who’ve applied to stay at 3%
Setting up contributions for eligible 16 and 17-year-old employees
Supporting your staff with KiwiSaver education sessions and workshops
Why KiwiSaver Advice Matters
The difference between a well-managed KiwiSaver and a neglected one can be tens of thousands of dollars over a working lifetime. Small decisions - like choosing a growth fund over a conservative one when you’re young, or increasing your contribution rate by just 1% - compound into significant outcomes over time.
For employers and NFPs, getting KiwiSaver compliance right protects your organisation and demonstrates good governance. It’s also an opportunity to show your staff you’re invested in their financial wellbeing.