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LifeCovered

The difference advice can make

Without adviceWith advice

Same contributions. Same years. The difference is a fund choice that fits you, made early and reviewed as life changes.

KiwiSaver Advice

Most Kiwis are in the wrong fund. Are you?

Your KiwiSaver is probably your largest investment, yet most people set it and forget it. We compare the market and find the right fit for your age, goals, and risk profile.

Find my best fundTalk to Willi or Sol →
First Home BuyersWealth CreationRetirement Income
−38%Dot-com−37%GFC19942025

$1 invested in 1994 became $24.79 — through every fall on this chart.

S&P 500 total return, calendar years 1994–2025, dividends reinvested. Past performance does not indicate future returns.

Worst year
-36.8%
Down years
7 of 32
$1 became
$24.79

KiwiSaver advice

Four decisions. We do the work on all of them.

Whether you’re just starting out, buying a first home, or counting down to 65, the advice comes down to the same four questions. Here is how we answer each one.

Fund fit

How long you've got decides how much of this you can ride out

Seven of the last 32 years were negative, and one of them fell 36.8%. Someone with thirty years ahead of them rode straight through. Someone who needed the money in three felt every one. Setting your fund is really deciding which of those you are.

  1. 01

    Matched to your timeline

  2. 02

    Fees and returns compared

  3. 03

    Reviewed as your life changes

THE PROBLEM

Set it. Forget it. Retire with less.

Most Kiwis don’t end up in the wrong fund through bad decisions — they end up there through no decision at all. Here’s how it happens.

01

Stuck on default

You were enrolled automatically and never switched. Default funds are designed to be safe, not to grow. Conservative settings protect your money — but cost you tens of thousands in missed returns over a working life.

02

Wrong fund for your age

A fund that made sense at 25 looks very different at 45. Your risk profile, timeline, and goals shift as life changes — but most people's KiwiSaver settings don't move with them.

03

Never reviewed

Income grows. Families change. Property goals shift. Your KiwiSaver strategy should evolve too. Most people's hasn't been reviewed since the day they signed up.

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This chart is illustrative only, based on average outcomes across LifeCovered clients. Past performance is not a guarantee of future returns. Individual results will vary based on contributions, fund selection, provider, and market conditions.

Why LifeCovered

Planning brings the whole picture into focus.

Live your financial life in harmony with what you value most.

Start with the quiz

It's the people in your life that matter, not the things. We plan for them.

Willi Olsen, Founder and Financial Adviser at LifeCovered
Willi OlsenFounder & Financial Adviser, Hamilton
Sol Brown, Financial Adviser at LifeCovered
Sol BrownFinancial Adviser, Wellington

How the review works

  1. Purpose

    What the money is for. First home or retirement, that sets the fund.

  2. Plan

    Your timeframe, your values, 300+ funds. One recommendation, in writing.

  3. Patience

    Stay in the right fund long enough and the entry price stops mattering.

Step one starts here

300+ KiwiSaver funds.
One analysis.
Start here.

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