The Value of Financial Advice and What It Means for Your KiwiSaver

We wanted to share an interesting insight from Russell Investments’ 2025 Value of an Adviser report.

Russell Investments studied the value financial advisers provide across a wide range of services—not just investing, but guidance, planning, and behavioral coaching, and believe the value of an adviser in New Zealand is approximately 4.52%. While this is a holistic figure and not specific to KiwiSaver, it reflects the cumulative impact of better decisions, better asset allocation, and avoiding mistakes that can undermine long-term outcomes.

What’s relevant for you as a KiwiSaver member is that many of the value drivers that make up this 4.52% also align closely with the value drivers for KiwiSaver. These include:

1. 1. Ensuring you’re in the right fund for your goals
      Choosing the correct KiwiSaver fund is one of the most important decisions you make. A suitable asset mix can significantly improve long-term outcomes.
   2. Helping you avoid behavioural mistakes
      Market volatility often leads to emotional decisions—switching funds at the wrong time, chasing last year’s top performer, or pausing contributions at key moments. Guidance during uncertain periods can make a meaningful difference.
   3. Providing clarity through life’s key financial moments
      Even within KiwiSaver, there are important choices:

• • • Preparing for a first home withdrawal
    • Planning for retirement
    • Deciding on contributions
    • Understanding risk as you get closer to your goal

In short, good advice leads to better-informed decisions, and those decisions add up over time.

National Capital provides independent KiwiSaver advice, always putting the interests of Kiwis first. If you’d like guidance to ensure your KiwiSaver is set up to truly serve you, we invite you to complete our KiwiSaver HealthCheck today and join the growing community of New Zealanders who trust us to support them.

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About National Capital

National Capital is a New Zealand–owned impartial KiwiSaver advice service based in Auckland and Christchurch, serving clients nationwide. We analyse 300+ KiwiSaver funds to recommend the option that best matches your goals, risk profile, and timeline. We also manage the fund-change process at no extra cost—helping Kiwis choose the best KiwiSaver fund for long-term returns, first-home planning, and retirement confidence.