SUPPORTING LIFE’s BIG GOALS

Building Your Future Today with KiwiSaver

Having a KiwiSaver account is only the starting point.

KiwiSaver is one of the smartest ways to build your financial future. With contributions from you, your employer, and the government, it’s a powerful tool to help you get ahead, whether that’s buying your first home or setting yourself up for the retirement you really want.

At the end of the day, our goal is simple: to help you make the most of KiwiSaver and ensure you’re on track for a secure, comfortable future.

Let’s get KiwiSaver working for you, not the other way around.

Who Contributes to KiwiSaver

KiwiSaver is a voluntary government-assisted retirement savings scheme that helps individuals save for retirement or buy their first home. It is a managed fund in which your money is invested in an asset pool, with contributions from either yourself, your employer, or the government on your behalf. You may choose your provider and fund, and the money is retrievable when you retire at retirement age (generally 65) or to buy your first home.

KiwiSaver grows by having contributions paid by you, your employer, and the Government’s contribution each year. Your money is placed in a managed fund, and the returns generated from the investments (along with your contributions) are reinvested. You may also make any voluntary contributions to speed up its growth.

Why Choose Rapson for KiwiSaver Advice?

How KiwiSaver Works for You

Using KiwiSaver for Your First Home

KiwiSaver & Retirement

Building Wealth

A Head Start for Kids

How KiwiSaver Works for You

Using KiwiSaver for Your First Home

KiwiSaver & Retirement

Building Wealth

A Head Start for Kids

Get on track for your first home or the retirement you really want.

We provide information based on investment strategy, risk-return profile, and financial goals so you can make the best decision for you, not anyone else.

Providers & Types of KiwiSaver

We work with professional, reputable KiwiSaver providers. All offer different options based on your needs.

Booster KiwiSaver Scheme

Booster, a long-standing New Zealand provider, offers 14 flexible funds including ethical and capital-protected options, giving members control, transparency, and choice in shaping a KiwiSaver future.

See Fund Types

Capital Guaranteed Fund: For when you’re really close to buying a home or retiring and want to avoid any drop in value.

Enhanced Cash Fund: Low-risk fund that keeps things simple while you wait to make your next move.

Default Saver Fund: The standard starting point if you haven’t chosen a fund yet and want something modest.

Moderate Fund: A balanced choice if you’re planning for a few years ahead and can handle some ups and downs.

Balanced Fund: If you’re in it for the medium term (5+ years) and want reasonable growth without extreme swings.

Growth Fund: You think long-term, want stronger growth, and won’t lose sleep over a wavering balance.

High Growth Fund: For the long haul, there will be more risk, bigger potential reward, and plenty of time ahead.

Geared Growth Fund: A more aggressive ride that uses leverage; you’re comfortable with lots of volatility in exchange for higher upside.

Socially Responsible Funds (Moderate, Balanced, Growth, High Growth, and Geared Growth): Designed for people who want their investments to reflect their values without missing out on performance. Avoids industries like tobacco, gambling, and fossil fuels, while still offering different levels of risk and potential return.

Shielded Growth Fund: A growth fund with some protection built in, so you seek growth but want a bit of a safety net.

Generate KiwiSaver Scheme

Generate is a New Zealand-owned specialist known for strong long-term performance, active management, and hands-on member support, helping Kiwis grow savings with confidence and personalised guidance.

See Fund Types

CashPlus: A very short-term, low-volatility fund investing entirely in income assets for those who need certainty.

Conservative: A short-term fund with modest returns, mostly income assets and a small growth asset allocation.

Moderate: A short-to-medium term fund aiming for modest to medium returns, combining income and growth assets.

Balanced: A medium-term fund aiming for medium returns, with slightly more growth than income assets.

Growth: A medium-to-long-term fund targeting higher returns by mainly investing in growth assets and only a small income allocation.

Focused Growth: A long-term, higher-risk fund with a strong emphasis on growth assets and minimal income assets.

Australasian: A long-term growth fund investing predominantly in growth assets in New Zealand and Australia with minimal income asset exposure.

Thematic: A long-term, high-growth fund investing globally in growth assets via thematic trends, with very little income asset exposure.

Global: A long-term aggressive growth fund investing globally in mid-to-large cap international equities, with almost no income assets.

Kōura Wealth KiwiSaver Scheme

Kōura uses smart digital advice to build personalised portfolios from individual index-based funds, offering a modern, transparent approach that adapts to your goals, risk level, and life stage.

See Fund Types

Cash Fund: Low-risk, simple deposits and short-term fixed interest. Ideal if you’re planning a short timeframe or want preservation of capital.

Fixed Interest Fund: A more conservative income-focused fund investing primarily in New Zealand bonds and debt securities. Suitable when you’re aiming for stability with some yield.

NZ Equities Fund: Focused on New Zealand listed shares, best if you believe in the local economy and want growth with moderate geographic concentration.

US Equities Fund: Exposed to dominant US-listed companies via index funds, for long-term growth and investors comfortable with share-market swings.

Emerging Markets Fund: High risk/high reward fund investing in developing economies across Asia, Latin America and Eastern Europe. Suited for far-term investors who seek growth and can tolerate volatility.

Rest of World Equities Fund: Global shares (outside US) exposure. Good for diversifying your international share portfolio.

Strategic High Growth Fund: A core growth fund offering strong growth potential. For investors with a longer horizon who are comfortable with larger ups and downs.

NZ Property Fund: Specialty fund offering exposure to New Zealand real-estate trusts and retirement‐village property sectors. For investors interested in property markets and willing to accept specialist risk.

Clean Energy Fund: Specialty fund focused on companies accelerating the transition away from fossil fuels. For investors who want values-aligned growth and are comfortable with higher risk.

Bitcoin Fund: A specialist fund offering exposure to Bitcoin (with suitable caps). Designed for adventurous investors looking for alternative assets and high volatility.

NZ Funds KiwiSaver Scheme

NZ Funds uses active management and innovative strategies, including inflation-hedging and global diversification, to help members grow and protect savings through changing markets and long-term goals.

See Fund Types

Balanced Fund: A core option for getting started. Designed for steady growth with diversified global assets and a focus on long-term outcomes.

Life Cycle Option: Automatically transitions your investment mix based on age and stage of life, giving you simpler long-term management of risk and return.

Self Select Option: Tailor your own mix of investment strategies, choosing the specific modules and funds that align with your goals and risk appetite.

The Right Fund Provider Matters

Whether you’re just getting started, saving for your first home, or planning for retirement, your fund choice should match your age, stage, and goals.

Conservative funds are great if you need your money soon or don’t love market ups and downs, while balanced funds suit you if you aim for steady growth over a few years. A growth and aggressive fund is worth considering for those playing the long game and chasing higher returns who are comfortable with a few bumps along the way.

At Rapson, we make sure your money’s working smart, not just hard. We’ll help you find the fund that fits your lifestyle today and your dreams for tomorrow. Let’s chat about KiwiSaver and make sure it’s set up to get you where you want to be.

Frequently Asked Questions

Is KiwiSaver meant for short-term or long-term savings?

KiwiSaver is designed for the long term. Your contributions are invested so they can grow over time, helping you build wealth for retirement or your first home.

Can I choose my KiwiSaver provider & fund?

Yes, you decide both your provider and the type of fund you want. This lets you match KiwiSaver to your goals and comfort with risk.

Can I change my provider or contribution rate later on?

Absolutely. You can switch providers or adjust your contribution rate (3%, 4%, 6%, 8% or 10%) whenever your circumstances or goals change.

Should I choose a higher-risk fund to get better returns?

Growth funds invest more in shares and property, aiming for higher long-term returns. They come with more ups and downs, so they suit investors comfortable with risk.

Why is staying invested long-term important?

The real power of KiwiSaver comes from time. Staying invested allows compound returns to build, meaning your savings can grow significantly over the years.

Your money. Your future.
Our priority.

We then provide you with all the important details so you can make an informed decision based on what’s best for you and your circumstances.

What Our Clients Says About Us

See how we’ve made a difference for people just like you.

    
 
 
      Posted on Google  
   
   Heather Harrison 
 1 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Tristan Hewitt is phenomenal at what he does.  Highly value his imput
  
 
     Posted on Google  
   
   Vanya Jones 
 18 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We can't recommend Rapson, especially Jacques, enough.  We are older buyers buying our first house in New Zealand.  From our first appointment to finalising our purchase, Jacques was honest but supportive, professional and gone the extra mile (helping us late at night when we needed advice).
  
 
     Posted on Google  
   
   Dewald Loedolff 
 23 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very good service
  
 
     Posted on Google  
   
   Marais Jones 
 23 days ago
 
 
 Trustindex verifies that the original source of the review is Google. 1) We only just got our Permanent Residency.
2)We are on the older side (over 50s).
3)We did not have a 20% deposit.
But Jacques and the TEAM at Rapson made it happen!! We are now the proud owners of our very own home in this beautiful country.
Give this team a try, you wont regret it, they explore all the avenues and then help you to go all the way.

THANK YOU Jacques!
  
 
     Posted on Google  
   
   Lenka Trulej 
 40 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service received by Helen who truly goes above and beyond  - honestly can’t recommend Rapson enough, you’ll be in save hands!
  
 
     Posted on Google  
   
   Tiaan Janine 
 47 days ago
 
 
 Trustindex verifies that the original source of the review is Google. An absolutely outstanding experience from start to finish! The guidance throughout our first-home buying journey was clear, professional and incredibly supportive, making what could have been a stressful process feel straightforward and manageable.

Working with Jacques Pitts as our Mortgage Advisor, we always knew what to expect and felt genuinely looked after every step of the way. Without hesitation, Jacques is our go-to person for anything property or finance-related in the future. Thank you Jacques! Chris & Janine van den Berg
  
 
     Posted on Google  
   
   Tracey Gudsell 
 49 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend Rapson Finance to anyone looking for a knowledgeable, trustworthy and personalised financial service. A great experience all round!
  
 
     Posted on Google  
   
   Esther Downs 
 53 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Jacques Pitts helped my partner and I to purchase our first home. He made the whole process so much easier explaining things and answering all our questions. Always prompt and helpful. I would highly recommend his services!
  
 
     Posted on Google  
   
   Angelique Loots 
 69 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Jacques was very supportive and knowledgeable throughout the entire process, providing excellent guidance to us as first-time homeowners.
  
 
     Posted on Google  
   
   Diverse Building 
 70 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We recently approached Tristan from Rapson  Loans & Finance Tauranga to help structure a multi tier loan - renovation loan,  solar and EV loan 1% 3 year fixed interest l and a further loan for property improvements- couldn’t have been easier and more straightforward thanks to Tristan and his team. Good communication even after the process was complete. Will be sending future business their way  - thanks again.
Dave and Ania

Building Your Future Today with KiwiSaver

Having a KiwiSaver account is only the starting point.

Who Contributes to KiwiSaver

Contributions

Employer Contributions

Government Contributions

Investment Returns

Compound Interest

Why Choose Rapson for KiwiSaver Advice?

Tailored Fund Guidance

See How Compounding Grows Your Wealth

Local Support, Nationwide Reach

No Cost to You

How KiwiSaver Works for You

Using KiwiSaver for Your First Home

KiwiSaver & Retirement

Building Wealth

A Head Start for Kids

How KiwiSaver Works for You

How KiwiSaver Works for You

Using KiwiSaver for Your First Home

Using KiwiSaver for Your First Home

KiwiSaver & Retirement

KiwiSaver & Retirement

Building Wealth

Building Wealth

A Head Start for Kids

A Head Start for Kids

Get on track for your first home or the retirement you really want.

Providers & Types of KiwiSaver

Booster KiwiSaver Scheme

Generate KiwiSaver Scheme

Kōura Wealth KiwiSaver Scheme

NZ Funds KiwiSaver Scheme

The Right Fund Provider Matters

Frequently Asked Questions

Your money. Your future.Our priority.

What Our Clients Says About Us

Loans & Mortgages

Insurance

Investments

Resources

About Us

Your money. Your future.
Our priority.