It finally feels like summer is on the way, with warm days and long evenings reminding us that Christmas is fast approaching. As the year wraps up, it’s natural to reflect on what’s changed — and what you want to achieve next.
2025 has been a year of meaningful change for KiwiSaver members.
Meanwhile, inflation is slowly easing toward central-bank targets, and interest rates are beginning to move back toward more neutral levels as global economic momentum softens.
Important: KiwiSaver contributions are increasing in 2026
From 1 April 2026, the minimum contribution rate for both employees and employers will rise from 3% to 3.5%, increasing again to 4% from 1 April 2028.You can apply for a temporary reduction and stay at 3%, but for most people, higher contributions mean stronger long-term outcomes.
Are your finances prepared for this change — and are you making the most of it?
This is one reason it’s important to check your settings before the new year begins.
A quick HealthCheck can make a meaningful difference
Our free KiwiSaver HealthCheck helps you understand:
- Whether you’re in the right fund
- Whether your settings match your goals and life stage
- How small adjustments could change your future outcomes
- What a personalised strategy could look like for you
Most people don’t realise how much long-term impact a simple fund or contribution change can make.
If your goals changed this year, your plan should too
Whether you’re:
- Saving for your first home
- Planning long-term wealth
- Or simply wanting more clarity
Your KiwiSaver won’t adapt automatically — and choices made today compound over time.
Start the new year with clarity and momentum
If you want your KiwiSaver to genuinely support the life you’re planning for, this is the perfect moment to review it.
A small step today could make 2026 feel more confident, more intentional, and more in control.
Take Your Free KiwiSaver HealthCheck →
The National Capital team wishes you and your family a restful, safe and enjoyable festive season as we close out 2025.
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.