Have all the investment benefits of a great KiwiSaver scheme, without the lock-in
Wealth Builder
The sooner you increase your long-term savings, the more chance that money has to grow. Wealth Builder is a simple, accessible way to put your savings to work.
Wealth Builder is invested like our KiwiSaver Scheme, but you can access your savings whenever you like. Use it to top up your retirement savings, build a nest egg for the kids, or set aside rainy day reserves for unexpected expenses.
We invest in a wide range of financial assets. We partner with global experts to maximise the growth of your savings. And we have a strong focus on mitigating falls when markets are going down.
Contribute lump sums or regular monthly amounts. Change your contributions whenever you like. And make withdrawals whenever you need them.
Whether you want to retire or not, it’s nice to be financially independent. Our research shows Kiwis need to save at least 9%. Use KiwiSaver to get to 6%. Then top up with Wealth Builder to get to 9%.
Asset Allocation
When you’re young and a long way from retiring, it is important to have your money invested primarily in growth assets, like shares. These go up and down more in the short term than cash and bonds, but over the long term they have more potential for growth.
Over time, these returns compound and build on each other. This can lead to a substantially higher balance than if you invest primarily in conservative investments such as cash and bonds.
As you approach your retirement, it is important to lock in some of these returns by moving them into less volatile investments. This means you can start planning how to turn your investments into retirement income with more certainty.
Introducing Life Cycle
Our Life Cycle option automatically changes how your Wealth Builder balance is invested, based on your age. Find out how it works.
Sid Singh
Principal
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