KiwiSaver: More Than Just a Savings Account - Why Advice Matters
KiwiSaver. You hear about it all the time - at work, in ads, maybe even at a BBQ when someone’s bragging about their balance. But here’s the thing: KiwiSaver isn’t just a set-and-forget savings account. It’s a powerful tool that could make a huge difference in your future - IF you’re making the right choices.
The Real Cost of ‘She’ll Be Right’
Many Kiwis stick with the default fund they were given when they joined KiwiSaver, or they choose a fund without really knowing what it means. The result? You could be missing out on thousands (even tens of thousands) of dollars by retirement.
Imagine two people:
✅ One gets advice, chooses the right fund, and maximises their contributions.
❌ The other leaves their KiwiSaver in a random fund, ignores it, and hopes for the best.
Fast forward 30 years -the difference in their balances could be staggering. Which one do you want to be?
Your KiwiSaver, Your Life Goals
KiwiSaver isn’t just about retirement - it can help you buy your first home or even provide a financial cushion later in life. But how you use it should depend on YOUR goals.
👶 Young and just starting? Growth funds might give you better long-term returns.
🏡 Thinking about buying a house soon? A conservative approach could protect your savings.
👴 Approaching retirement? Time to reassess and possibly dial down the risk.
There is no one size fits all – which is why you need advice that’s suit for your age and stage, as well as your personal appetite for risk.
Why Getting Advice is a No-Brainer
Here’s the kicker - most people don’t realise they can get personalised KiwiSaver advice for free or at very little cost. A financial adviser can help you:
🔹 Choose the right fund for your goals
🔹 Make sure you’re getting all the benefits
🔹 Adjust your strategy as life changes
Don’t Leave Your Future to Chance
It takes just a quick chat to make sure your KiwiSaver is working for you, not against you. So why wait? Get advice today and make your money work smarter - not harder.
Want to check if you’re in the right fund for you? Let’s talk.
A small change today could mean a massive difference for your future.
Got a question?
07 213 2270
Legaseed NZ Ltd (FSP1005404) holds a licence issued by the Financial Markets Authority and provides financial advice in relation to financial & retirement planning, investments, KiwiSaver and personal risk insurance. Our disclosure information can be found on our website www.legaseed.co.nz, or is available on request and free of charge.
