KiwiSaver Questions

Detailed answers to your questions about KiwiSaver

KiwiSaver is one of our largest investments and will play a huge role in many Kiwis retirements. National Capital, a KiwiSaver advisory company has attempted to answer in detail questions that many of us have about KiwiSaver.

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.

Even if it's ten to twenty years away, retirement is around the corner. What should you be thinking about?...

How Much Do I Need For Retirement NZ Based?

Even if it's ten to twenty years away, retirement is around the corner. What should you be thinking about?

The answer to the question of what is KiwiSaver is a simple one. It is about investing your money in...

What is KiwiSaver?

The answer to the question of what is KiwiSaver is a simple one. It is about investing your money in

QuickFire Finance Course

This Free online course aims to provide a quick and easy way to help you learn and become more financially secure.

To keep things engaging we’ve got videos, blogs and more for you to learn from.

The process of changing KiwiSaver, what the process is like, and how easy it is to switch KiwiSaver. Is it...

Changing KiwiSaver – How To Switch KiwiSaver Step-By-Step

The process of changing KiwiSaver, what the process is like, and how easy it is to switch KiwiSaver. Is it
The government has announced that starting from 1 April 2026, the default KiwiSaver contribution rate for both employees and employers...

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

The government has announced that starting from 1 April 2026, the default KiwiSaver contribution rate for both employees and employers
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

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

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

Opt out of KiwiSaver within 2-8 weeks using the KS10 form. Employers assist, late opt-outs may be considered up to...

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
Navigate KiwiSaver in NZ divorces. Learn about the 50:50 split, prenuptial options, and valuation for fair asset distribution. Legal guidance...

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
Find out if KiwiSaver can be used to pay off credit card debts and the strict criteria for financial hardship...

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