KiwiSaver advice that makes a real difference to what you retire with.

Most KiwiSaver accounts are set up once and never looked at again. The fund might be wrong for your age or risk appetite. Contributions might be too low to get the full government top-up. Thousands of dollars could be sitting there, not working as hard as they could be.

Racquel Sheath is EFS's dedicated KiwiSaver specialist, one of the few FAP-licensed KiwiSaver advisers in the Waikato. She works with clients across New Zealand to make sure their KiwiSaver is actually doing its job.

Book a call with a KiwiSaver expert

How KiwiSaver works, and how to make the most of it

KiwiSaver is a voluntary savings scheme designed to help New Zealanders save for retirement or a first home. When you contribute, your employer contributes too, and the government tops it up with an annual contribution of up to $260.72, as long as you put in at least $1,042.86 yourself between 1 July and 30 June each year.

Choosing the right fund matters more than most people realise. A conservative fund might feel safe, but if you're 30 years from retirement, being too cautious can cost you significantly over time. A growth fund might feel risky, but with decades ahead of you, short-term volatility is part of how long-term returns are built. Getting this right is where advice makes a real difference.

EFS can help you with:

Choosing the right fund type for your situation and timeline
Making sure your contribution rate captures the full government top-up
Understanding your options for withdrawing early -- first home, hardship, or serious illness
Consolidating multiple KiwiSaver accounts if you've had more than one employer
Reviewing your fund as your life changes -- new job, new family, approaching retirement

Book a free KiwiSaver review

Don't miss your $260.72 government top-up, the KiwiSaver member tax credit deadline is 30 June each year.

If you've contributed at least $1,042.86 to your KiwiSaver between 1 July and 30 June, the government will add up to $260.72 to your account automatically. If you're not on track, you can make a voluntary lump sum contribution directly to your provider before 30 June. Not sure if you're getting the full amount? Ask us.