Is Your KiwiSaver Working as Hard as You Are?
Check your personal KiwiSaver health in 2-3 minutes and see whether your fund, fees, contributions, and risk level may need a closer look.
Free, independent KiwiSaver guidance from Solid Steele KiwiSaver Advice.
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Your KiwiSaver Health Check result is ready
Enter your email and I'll send your score, what it means, and practical next steps to help you understand whether your KiwiSaver may need a closer look.
Your KiwiSaver Health Check result
out of 10
Book a free 30-minute KiwiSaver reviewWhat does your KiwiSaver Health Check score mean?
This score suggests there are several areas worth checking - such as fund choice, risk level, contributions, fees, or whether your KiwiSaver still matches your goals.
You may have some parts under control, but there are still gaps that could affect your long-term outcome.
A review may still be useful, especially if your goals, timeframe, income, or risk comfort have changed.
Even so, KiwiSaver settings, funds, fees and personal circumstances can change, so a second opinion may still be valuable.
Why reviewing your KiwiSaver matters
KiwiSaver is one of the most significant financial assets many New Zealanders will accumulate over their working lives. Yet many people set up their KiwiSaver once and never review it. Your KiwiSaver fund type, contribution rate, and provider can have a significant effect on how much you end up with.
A mismatch between your fund and your situation - for example, being in a conservative fund when you have decades until retirement - can cost you tens of thousands of dollars in potential growth over time.
What a KiwiSaver review should check
Fund type and risk profile
Is your fund - defensive, conservative, balanced, growth, or aggressive - suited to how far away your goal is and how comfortable you are with market ups and downs?
Fees
Fees reduce your returns every year. Different providers charge very different amounts. Even a small difference in annual fees compounds significantly over 20 or 30 years.
Performance
How has your fund performed against comparable funds over 3, 5 and 10 years? Past performance does not guarantee future results, but persistent underperformance is worth investigating.
Contributions
Are you contributing enough to receive the maximum annual Government contribution (currently $260.72 for those contributing at least $1,042.86)? Could a higher rate improve your long-term balance?
Life changes
Has your income, job, relationship status, or health changed? Are you now self-employed? Planning to buy a first home? These events can all affect what KiwiSaver settings work best for you.
Provider
Different providers offer different fund options, customer service, and reporting tools. Switching is straightforward and does not affect your balance.
How often should you review your KiwiSaver?
Once a year is a reasonable starting point for most people. Outside of the annual check, a review is also worth doing when:
- Your income changes significantly
- You are planning to buy your first home
- You start or stop being employed (e.g. you become self-employed)
- You are within 5-10 years of retirement
- Financial markets have had a significant move
- Your provider announces significant fee or fund changes
Is this financial advice?
What happens after I complete the Health Check?
Once you submit your email address, you will receive:
- Your score and a plain-English explanation of what it means
- Practical next steps based on your result
- An invitation to book a free, no-obligation 30-minute KiwiSaver review with Cam
There is no obligation to do anything further. The advice session is also free to you as a client - Cam is paid by the provider if you choose to make a change.
Frequently asked questions
How long does the KiwiSaver Health Check take?
Most people complete it in about 2-3 minutes. There are 10 simple questions, each with a short set of options to choose from.
Do I need to know my current KiwiSaver fund?
No. You can complete the Health Check even if you are not sure which fund or provider you are with. In fact, not knowing is itself a signal worth noting - and it is something a free session with Cam can help you sort out quickly.
Is the KiwiSaver Health Check free?
Yes, completely free with no account required. You only need to provide your email to receive your full result and next-step guide.
Will I receive personalised financial advice from the Health Check?
No. The Health Check provides general information only and is not personalised financial advice. Personalised advice takes into account your specific goals, financial situation, and risk profile. To receive personalised guidance, book a free session with Cam.
Can I book a KiwiSaver review after completing the Health Check?
Yes. After completing the Health Check you can book a free 30-minute KiwiSaver review session with Cameron Steele, an independent financial adviser. There is no cost to you - Cam is paid by the provider if you choose to make a change.
Is the Health Check useful if I am self-employed?
Yes. Self-employed people have no automatic employer contributions, which makes KiwiSaver settings - including contribution rate, fund choice, and Government contribution eligibility - especially important to review. See also: KiwiSaver for self-employed.
Is the Health Check useful if I am buying my first home?
Yes. KiwiSaver can be a key tool for first home buyers, including through the First Home Withdrawal. The Health Check helps you see whether your KiwiSaver is set up to support that goal. See also: KiwiSaver for first home buyers.
Is the Health Check useful if I am close to retirement?
Yes. Fund selection, contribution rate, and fees are especially important as you approach retirement. Being in the wrong fund close to retirement can have a significant effect on your outcome. Learn more about KiwiSaver and retirement.