The future
Your KiwiSaver has a job. Tell it what.
For most New Zealanders KiwiSaver is the biggest investment they will ever hold, sitting in whatever fund they were defaulted into at their first job. A first home in three years and retirement in thirty are completely different jobs, and they need different funds. Ledger Black connects you with an adviser who works out which one yours is doing; they give the advice, and Ledger Black is not a KiwiSaver manager.
Talk to an adviser
WHAT YOU WALK AWAY WITH
What you’ll know that most people don’t.
Start with the date you need the money
Three years or thirty changes everything about the fund you should be in. Match the fund to the date, then to your appetite for the ride.
Look under the fund label
Asset mix, fees, investment approach and where the money actually goes. A recent performance number tells you almost nothing.
Know when to look again
A house purchase, a pay rise, a career break. Each one is a reason to check the contribution rate, the fund and the details you set once and forgot.
The first-home fund and the retirement fund are not the same fund
Money you need in three years cannot afford a bad year. Money you need in thirty can, and probably should take a few. Your adviser puts your time frame, your other savings and your reaction to a fall in value on the table, and matches the fund to all three. A risk questionnaire is a conversation starter, not an answer.
Stop chasing last year’s winner
Comparing funds means understanding what they hold, the risk they take, the fees they charge and the period any performance figure covers. Past returns do not predict the next ones and values can fall. Your adviser explains the providers in their scope, their remuneration, and whether staying exactly where you are is the right answer. Often it is.
STRAIGHT ANSWERS
The questions
people are afraid to ask.
Ask them here first. Then ask them again in the room.
Do I have to move my KiwiSaver to get advice?
No. The first job is understanding what you have and what it is for. Your adviser tells you whether they can advise on your current provider and where their scope ends. A good review can end with no change at all.
Can I use KiwiSaver for a first home?
Usually, if you meet the criteria. Eligibility, the amount you can withdraw and the process all have to be confirmed against current rules with your provider and your lawyer before you rely on the money for settlement.
Will a projection tell me what I’ll retire with?
No. A projection shows one possible outcome under stated assumptions. Contributions, returns, fees, tax and inflation all move it. It is for comparing choices, not for predicting the number.
RUN YOUR OWN NUMBERS FIRST
Then walk in with them.
The tools advisers use, free, no sign-up. Your figures never leave your browser.
Open the toolsYOUR MONEY. YOUR CALL.
Stop guessing.
Start knowing.
Use the tools right now, no sign-up. When you want a real adviser, tell us what’s on your mind and we’ll match you properly.
Talk to an adviser