- KiwiSaver review · Free · 2 minutes
A Hamilton teacher switched funds. Her projected retirement grew by $121,000.
One 30-minute review. No fees, ever. We find a fund that matches your age, income, and goals — then you decide what to do with it.
"I had no idea my fund was that far behind. The switch took less than a week."
Teacher, Te Awamutu · Was in a default balanced fund
+$121,000 projected at retirement- Helping 400+ Kiwis grow their retirement faster
- Provider pays us - you pay nothing extra
- No obligation to switch
The cost of doing nothing with your KiwiSaver
The default fund feels safe. But safe has a price tag.
Slide the bar to see what that costs over 30 years.
Seen enough? Find out which fund is right for you.
Free · No obligation · Sol or Willi usually reply within 24 hrs
Projections are illustrative only, based on 3.5% p.a. (Default Balanced Fund) and 6.0% p.a. (Growth Strategy), net of fees and tax. Past performance does not guarantee future results. FMA-prescribed rates are 3.5% (Balanced) and 4.5% (Growth)
Are you accidentally donating $100,000 of your retirement to the bank?
This usually isn’t because of a single bad decision, but rather the “hidden leak” of low returns and missed opportunities.
Even a seemingly small 1% difference in annual returns can easily snowball into a loss of six figures.
$103,000
That's what the average default fund costs a Kiwi at retirement.
Default funds are built for the bank's stability, not your wealth. That gap compounds silently for 30 years.
A fund that worked at 25 is quietly losing you money at 45
Your risk profile changes as you age. Staying on autopilot while the market moves without you costs more each year.
If your returns don't beat 3% inflation, your "growth" is actually a loss
We pick funds built to outrun inflation, not just keep pace with it.
*How we calculate this – Based on a 2.5% p.a. return difference over 30 years for an average earner.
There's no fee. Here's why.
Fund providers pay us, so you pay exactly the same as going direct. Not a cent more.
The difference? You get an expert coach, a hand-picked fund, and annual reviews. Going direct gets you a welcome email and a generic fund.
- No obligation
- No paperwork
- 30 minutes
400+ Kiwis have switched to better funds. Ready to see yours?
Most Kiwis get put in a default fund and never hear from anyone again. We do it differently.
Sol and Willi review your fund against every major NZ provider — then meet with you to explain exactly what they found and what to do about it. No jargon, no pressure, no fee.
Sol Brown
Partner & Financial Adviser,
FSP1009612
Willi Olsen
Founder & Financial Adviser,
FSP524986
Are you in the right KiwiSaver fund?
It won’t show up on your statement. It compounds in silence over 30 years. 2 minutes to find out if it’s happening to you — free, no obligation.
KiwiSaver Strategy Finder
Step 1 of 7
What's your biggest KiwiSaver goal right now?
Save for deposit
Long-term growth
Maximise returns
Tell us about your current KiwiSaver
This is what we'll review on your call.
What's your current KiwiSaver balance?
Estimate is fine — check your provider app or last statement.
Let's work out your monthly contributions
This makes your projection accurate.
Minimum is 3.5% of gross salary. Select higher if your employer contributes more, or self-employed if you work for yourself.
How many years until you need this money?
The market drops 10% tomorrow. You…
Here's what we found.
Where should we send your results?
A LifeCovered advisor will call to walk through your fund comparison.
Mon – Fri, NZ time. We'll confirm by email.
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No obligation to switch. No fees. Ever.