KiwiSaver
More New Zealanders have KiwiSaver than any other investment, yet most don’t realise it IS investment and long-term wealth planning. Getting it right matters, and you don’t have to wait for anything to start understanding yours better.
There are two sides to KiwiSaver at EMPIXO: what’s available right now, and what we’re building for the future. Here’s exactly where the line sits.
KiwiSaver Education & Mentoring
Through EMPIXO Mentoring, we can help you understand how KiwiSaver actually works: contribution rates, employer contributions, government contributions, fund types, risk and time horizon, fees, and how KiwiSaver fits into your wider financial picture, including using it toward a first home.
This is education and general guidance, not a personal recommendation about which fund or provider to choose. We help you build the understanding and confidence to make that decision yourself, or to know exactly what to ask when you do get regulated advice.
Fund types & risk
Fees & how they add up
Using KiwiSaver for a first home
Understanding compounding
Where KiwiSaver fits your goals
Regulated KiwiSaver Advice
A personal recommendation about which KiwiSaver fund or provider suits you, or advice to switch funds or providers, is regulated financial advice under New Zealand law, requiring a licensed financial adviser and formal advice processes we’re not offering directly through EMPIXO yet.
Regulated KiwiSaver advice is one of the areas EMPIXO intends to introduce within its future Financial Advice service. It will only become available once the appropriate qualifications, licensing and/or Financial Advice Provider authorisation arrangements, adviser requirements and compliance processes are in place.
Not available directly through EMPIXO yet. Where appropriate, we can introduce you to an independent, licensed professional from our network in the meantime.
The Difference
Education vs. Advice
Education & Mentoring (Now)
Helps you understand how KiwiSaver works in general, so you can make your own informed decisions. General information, not personalised to your specific fund choice.
Regulated Advice (Coming)
A licensed adviser’s specific, personal recommendation about which fund or provider is right for you, backed by formal advice obligations and disclosure requirements.
Start Understanding Your KiwiSaver Today
You don’t need to wait for regulated advice to become available to start building a better understanding of your KiwiSaver right now.
Learn. Plan. Act. Live the Outcome.