Your stage · Just bought / building wealth
You've bought your home — now your KiwiSaver's biggest job starts.
The fund that grew your deposit is rarely the right fund for the next 30+ years of growth. Most people leave their KiwiSaver in conservative mode after they buy and never switch back — that single oversight can cost six figures at retirement.
Where your KiwiSaver actually stands
You don't know — and that's the most common answer.
Around 70% of New Zealanders have their KiwiSaver with one of the major banks (ANZ, ASB, BNZ, Westpac, Kiwibank). In the Morningstar Q4 2025 survey, the bank-scheme funds typically rank in the bottom half of their Morningstar category for 5-year returns — and they often charge higher fees than specialist providers. If yours is one of these, the simplest first step is to find out which fund you're in.
Past performance is not a reliable indicator of future returns. Find your fund name on your last KiwiSaver statement or in your provider's app — then the rank is one click away.
- Switching back into a growth-oriented fund post-purchase is one of the highest-leverage decisions in your KiwiSaver journey.
- Your contribution rate matters more now than at any other point — small increases compound for decades.
- Fees that felt acceptable on a small balance look very different on a $200k+ balance. Fee structure deserves a fresh look at this stage.
Get our free KiwiSaver guide →
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Plan the wealth-building part
Now that the deposit's done, the next conversation is what to do with the surplus. The Investment Planner sketches the wealth track in four short steps.
Plan the wealth-building part →Want a copy of your result?
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This quiz provides general information only and is not personalised financial advice. For advice tailored to your situation, book a strategy session.