General

What is the importance of Savings?

National Capital is specialised in KiwiSaver and Investment research. We advise Kiwis on over $100 million of their KiwiSaver savings providing free KiwiSaver advice, with the goal of empowering one million kiwis to become financially secure.

However, please note that this is not personalised financial advice. If you want advice based on your own circumstances and goals, please start by submitting our KiwiSaver HealthCheck.

The answer to the question of what is KiwiSaver is a simple one. It is a voluntary investment scheme where...

What is KiwiSaver?

The answer to the question of what is KiwiSaver is a simple one. It is a voluntary investment scheme where

KiwiSaver Contribution Boost: What the 3.5–4% Increase Means for You

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

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
Life can throw unexpected challenges — rising living costs, job loss, family emergencies. If you're feeling financially stuck, you're not...

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

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

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.

It’s time for your annual KiwiSaver HealthCheck The Financial Markets Authority (FMA) released a statement in June 2024 reminding Kiwis...

It’s time for your annual KiwiSaver Health Check

It’s time for your annual KiwiSaver HealthCheck The Financial Markets Authority (FMA) released a statement in June 2024 reminding Kiwis

You may or may not have heard about the ongoing protests against plans to raise France’s retirement age. Now you...

What the protests in France can teach us about retirement & KiwiSaver

You may or may not have heard about the ongoing protests against plans to raise France’s retirement age. Now you

KiwiSaver was introduced in 2007 by the Fifth Labour Government to combat the lack of household savings in New Zealand....

How KiwiSaver Compares To Australian Superannuation Funds

KiwiSaver was introduced in 2007 by the Fifth Labour Government to combat the lack of household savings in New Zealand.

Quickly labeled as the biggest failure since the Global Financial Crisis (GFC), US regulators rushed to seize the assets of...

Silicon Valley Bank Collapse – The Ripple Effects On KiwiSaver

Quickly labeled as the biggest failure since the Global Financial Crisis (GFC), US regulators rushed to seize the assets of

KiwiSaver scheme Kiwi Wealth braces for a restructure as new owners Fisher Funds look to integrate leadership teams. Restructuring has...

Change is a constant in KiwiSaver providers

KiwiSaver scheme Kiwi Wealth braces for a restructure as new owners Fisher Funds look to integrate leadership teams. Restructuring has

ChatGPT has taken 2023 by storm. The open language model “chatbot” developed and launched by OpenAI in 2022 has certainly...

Can ChatGPT Replace Your Investment & KiwiSaver Adviser?

ChatGPT has taken 2023 by storm. The open language model “chatbot” developed and launched by OpenAI in 2022 has certainly

Saving for your retirement can be a daunting topic for anyone, especially when you feel as though you are being...

Who do I contact regarding KiwiSaver?

Saving for your retirement can be a daunting topic for anyone, especially when you feel as though you are being

There is a common reaction in times of high volatility within the market you’re invested in, which is to withdraw...

How missing out on just few days can have disastrous effects

There is a common reaction in times of high volatility within the market you’re invested in, which is to withdraw

As a KiwiSaver provider, Booster considers environmental, social, and governance risks when they asses investments for their Investment and KiwiSaver...

Booster Socially Responsible Funds

As a KiwiSaver provider, Booster considers environmental, social, and governance risks when they asses investments for their Investment and KiwiSaver

Introduction I think it’s time to take a look at what makes the most difference to your overall wealth and...

Savings Rate vs. Investment Return Rate

Introduction I think it’s time to take a look at what makes the most difference to your overall wealth and

Many Kiwis dream about owning their own home, but not everyone dreams of their first home purchase being an existing...

Buying land and building with KiwiSaver

Many Kiwis dream about owning their own home, but not everyone dreams of their first home purchase being an existing

KiwiSaver provider Simplicity has recently been under fire due to their “All Greys” advertising campaign. In the campaign, Simplicity claimed...

KiwiSaver Provider Simplicity asked to remove misleading advertising campaign

KiwiSaver provider Simplicity has recently been under fire due to their “All Greys” advertising campaign. In the campaign, Simplicity claimed

Comparing KiwiSaver fees and taxes can be a little confusing. This is because the fees fluctuate and vary by fund...

Comparing KiwiSaver Fees & Taxes

Comparing KiwiSaver fees and taxes can be a little confusing. This is because the fees fluctuate and vary by fund

The opportunity cost and the realised cost are very important factors to consider when choosing the appropriate fund to invest...

Opportunity Cost vs Realised cost

The opportunity cost and the realised cost are very important factors to consider when choosing the appropriate fund to invest