KIWISAVER ADVICE
Most Kiwis are in
the wrong fund.
Are you?
Your KiwiSaver is probably your largest investment — but most people set it and forget it. The wrong fund could cost you tens of thousands by the time you retire. We’ll compare the market and find the right fit for your age, goals, and risk profile. At no cost to you.
✓ Free advice
✓ No obligation
✓ FSP675171
The cost of the wrong fund
Default fund
Right fund for you
$102,000
The average difference we've seen between a default fund and the right fund — across real LifeCovered clients.
Unbiased
Not tied to any provider
Free
Advice at no cost to you
20 min
To a personalised recommendation
FSP675171
Registered Financial Advice Provider
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.
The compounding cost — default fund vs right fund, by age
Default fund
Right fund for you
Any of this sound familiar? A 20-minute conversation with Willi or Sol could be worth $102,000, or more at retirement.
Book a free call
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.