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You need ~9% to ace your retirement*
Ace your retirement, save ~9%*
Whether you want to retire or not, it’s nice to be financially independent. Our research shows Kiwis needs to save ~9%. Use KiwiSaver to get to 6%. Then top up with WealthBuilder to get to 9%.
* Assumes 3% employer plus 3% employee into KiwiSaver plus 3% WealthBuilder. Savings rates as percent of gross salary. For more information, email to request MyFiduciary's report.
WealthBuilder is NOT locked in
Top up your savings rate with WealthBuilder and choose when you want to retire, or access your money for another reason. KiwiSaver is locked up until you are 65*. WealthBuilder’s not.
* Investors cannot access KiwiSaver until they turn 65 unless they meet the criteria for early withdrawal.
KiwiSaver & WealthBuilder are twins
WealthBuilder is the twin to our KiwiSaver Scheme, but without KiwiSaver rules. Same estimated annual fund charges*, same choice of funds (SelfSelect) or smart automated asset allocation (LifeCycle).
* Please note, while estimated annual fund charges are the same, actual fund charges may differ due to differences in performance fees, service charges and fee rebates.
Same estimated annual fund charges*
See your balance easily
Wherever you see your KiwiSaver balance, you will see your WealthBuilder balance, so you can track all your investments in one place thanks to our market leading technology.
Illustrative only.
We manage funds responsibly
We take our social responsibility seriously*. We work with ISS ESG to screen investments worldwide. We’re also members of the Responsible Investment Association of Australasia and a signatory of Principles for Responsible Investment.
* For more information on NZ Funds' responsible investment policy, click here.
We work with world class managers
Who collectively manage $620 billion. Our WealthBuilder invests with world class global managers so that members get professionally managed local and international investments.
List of investment managers at 9 July 2020. 1. Emerson Point at 31 March 2020. 2. MFS at 31 January 2020. 3. Suvretta Capital Management at 31 March 2020. 4. Universa Investments at 31 December 2019.
We're local and international
Our globally diversified approach ensures that members are invested both locally and internationally, so that their savings are not dependent on any one economy.
Information at 9 July 2020. As NZ Funds is an active manager, country allocations will change over time so those shown should be regarded as indicative only. For the latest information see the Portfolio Insights under Documents & Forms.
We're 100% New Zealand owned
And we plan to stay that way. We’ve been managing New Zealanders' savings for over 30 years.
Ace your retirement
To join, download the NZFUNDS APP