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KiwiSaver Blog

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.

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How To Increase KiwiSaver Contribution – All You Must Consider

Do you want the maximum KiwiSaver contribution? Are you getting the full KiwiSaver government contribution each year? Or maybe you want to learn how to increase KiwiSaver contribution gradually at

Is Artificial Intelligence a Bubble? What New Zealand Investors Should Consider

This article explores how investors can think about AI from a risk-aware, long-term perspective and what practical considerations matter most.

Is Your KiwiSaver Ready for 2026?

A small step today could make 2026 feel more confident, more intentional, and more in control.

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.

Investment Scam Alert: What Every Kiwi Needs to Know

Recently, the Financial Markets Authority (FMA) has warned of a surge in impersonator investment scams.

Are You Paying for KiwiSaver Advice You’re Not Getting?

There are many Kiwis paying for advice they’re either not getting or not using.

What is KiwiSaver?

The answer to the question of what is KiwiSaver is a simple one. It is a voluntary investment scheme where you can choose to contribute towards a more financially sound

What KiwiSaver Fund Should I Be In?

The right fund depends on you — your goals, timeframe, and your capacity for volatility. Don’t leave your KiwiSaver on autopilot.

Struggling Financially? KiwiSaver Hardship & Better Ways Forward

Life can throw unexpected challenges — rising living costs, job loss, family emergencies. If you're feeling financially stuck, you're not alone. Thousands of Kiwis are in the same boat.

Fewer Kiwis Feel Prepared for Retirement: Time to Strengthen KiwiSaver Engagement

The 2025 Financial Resilience Index from the Financial Services Council (FSC) has revealed a worrying trend: fewer New Zealanders feel prepared for retirement.

Why Is My KiwiSaver Balance Going Up and Down? A Simple Guide to Market Volatility

Have you noticed your KiwiSaver balance jumping around lately? Don’t worry—it’s likely due to something called market volatility.

Can employees opt out of KiwiSaver?