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.

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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.

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Contributions

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Employer Contributions

employer contributions

Government Contributions

asset returns

Investment Returns

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Compound Interest

Why Choose Rapson for KiwiSaver Advice?

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fund guidance

Tailored Fund Guidance

We make sure KiwiSaver is working as hard as you are. That means choosing the right fund provider and having the right fund allocation for your age and stage, whether conservative, balanced, growth, or aggressive.

compound interest

See How Compounding Grows Your Wealth

We’ll also show you the power of compounding returns, where your money earns returns, and those returns then earn even more over time.

local nationwide reach

Local Support, Nationwide Reach

Based in Tauranga, but available wherever you are in New Zealand. We work alongside you to provide personalised KiwiSaver advice that travels with you.

no cost to you

No Cost to You

KiwiSaver advice doesn’t cost you a thing. Adviser fees are already included in most fund provider fees. With Rapson, you’re simply getting expert guidance at no extra cost.

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.
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Providers & Types of KiwiSaver

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

understanding what kiwisaver is nz

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.

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.

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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.

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.

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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.

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.

relaxed older man enjoying a cup of coffee outdoors representing a comfortable confident retirement supported by strong kiwisaver planning

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.

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.

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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.

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what is kiwisaver

Frequently Asked Questions

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.

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.

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

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.

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.

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