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KiwiSaver Blog
National Capital is specialised in KiwiSaver and Investment research. We advise Kiwis on over $70 million of their KiwiSaver savings providing free KiwiSaver advice, with the goal of empowering one million kiwis to become financially secure.
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Is Your KiwiSaver Ready for 2026?
If you want your KiwiSaver to genuinely support the life you’re planning for, this is the perfect moment to review it.
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. These scams use fake ads and even AI-generated “deepfake” videos of well-known New Zealanders to
Are You Paying for KiwiSaver Advice You’re Not Getting?
Did you know? If you’re in a KiwiSaver fund, part of the fees you pay may already cover financial advice services, even if you’ve never spoken to a financial adviser.
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. Let’s break it down in an easy-to-understand way and explain why you
Can employees opt out of KiwiSaver?
Opt out of KiwiSaver within 2-8 weeks using the KS10 form. Employers assist, late opt-outs may be considered up to 3 months after the first contribution.
How is KiwiSaver treated in divorce?
Navigate KiwiSaver in NZ divorces. Learn about the 50:50 split, prenuptial options, and valuation for fair asset distribution. Legal guidance is essential.
Can I Use My KiwiSaver To Pay Off Credit Card Debt?
Find out if KiwiSaver can be used to pay off credit card debts and the strict criteria for financial hardship withdrawal.