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.

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

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

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.

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

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

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

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

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

What Reasons Can You Withdraw From KiwiSaver?

Explore common reasons for KiwiSaver withdrawals, including retirement, first home, financial hardship, illness, emigration, and unfortunate circumstances.

Want to bring your AU Super home to KiwiSaver? Here’s how to get started!

Moving Australian Superannuation to New Zealand KiwiSaver

Differences Between KiwiSaver and Australian Superannuation

The Difference between Australian Superannuation and New Zealand KiwiSaver

KiwiSaver Questions

Detailed answers to your questions about KiwiSaver

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