Kiwisaver with Cura

KiwiSaver Fund Advice for Your Financial Future

KiwiSaver is one of the most effective tools for long-term wealth creation in New Zealand. Whether you're saving for your first home or planning for a comfortable retirement, making the right choices about your KiwiSaver fund can significantly impact your financial future.

At Cura Advisers, we provide KiwiSaver advice tailored to your personal goals, financial situation and stage of life. Our advice is focused on maximising your savings, minimising risk and helping you make informed decisions every step of the way.

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What is KiwiSaver?

KiwiSaver is a voluntary, government-supported savings scheme that helps New Zealanders save for retirement and in many cases, a first home. Contributions come from your wages, your employer and government incentives (including the annual KiwiSaver member tax credit).

You can choose from a wide range of KiwiSaver providers and fund types ranging from defensive and conservative funds to growth and aggressive funds. The right fund choice depends on your investment time frame, risk profile and life objectives.

Why Get Advice on KiwiSaver?

Many people assume KiwiSaver is “set and forget,” but the truth is, your fund choice and contribution strategy can make a major difference over time. At Cura, we help you:

Choose the best KiwiSaver fund for your risk tolerance and life stage
Review your current fund performance and fees
Understand how KiwiSaver fits into your retirement plan
Maximise employer contributions and government incentives
Plan a KiwiSaver first-home withdrawal, if you're eligible
Stay on track with regular KiwiSaver reviews

Our advice is provider-neutral and designed solely around your best interests.

KiwiSaver for First Home Buyers

If you're buying your first home, KiwiSaver can help you get there sooner. You may be able to withdraw most of your KiwiSaver balance and depending on your situation, access the First Home Grant from Kāinga Ora.

We’ll guide you through:

Eligibility for a first-home KiwiSaver withdrawal
Meeting the First Home Grant criteria
Planning your deposit and withdrawal timing
Coordinating KiwiSaver with your mortgage strategy

We ensure the process is smooth, compliant and part of a broader homeownership plan.

KiwiSaver for Retirement Planning

Whether retirement is decades away or just around the corner, it’s important to know whether your KiwiSaver savings are tracking toward your lifestyle goals. We help you:

Forecast your projected KiwiSaver balance
Understand drawdown options when you reach 65
Reassess your fund type as you approach retirement
Integrate KiwiSaver into your broader investment portfolio

Your retirement deserves clarity, confidence and care. That’s what we provide.

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Independent KiwiSaver Advice You Can Trust

At Cura, our advisers offer licensed, conflict-free guidance we don’t promote any particular KiwiSaver provider. Instead, we work with you to develop a KiwiSaver strategy that supports your overall financial wellbeing.

Whether you're self-employed, a salary earner, nearing retirement, or just getting started, our team is here to support your goals with expert, practical advice.