Kiwi Saver
KiwiSaver is one of the most effective ways for New Zealanders to build long-term savings — whether that’s for retirement or a first home.
But while the scheme itself is simple, making it truly work for you comes down to understanding a few essentials and having the right guidance along the way.
At NextWave, we help clients make confident, well-informed KiwiSaver decisions — without the jargon or guesswork.
Four Essentials to Get It Right
If you haven’t joined KiwiSaver yet, now’s the time. It’s designed for most New Zealanders and, in most cases, offers:
- Employer contributions (if you’re employed)
- Government contributions (member tax credit)
- Long-term savings for retirement or a first-home purchase
Even small contributions can grow significantly over time – especially when supported by regular reviews and the right fund choice.
Choose a contribution rate that fits your current situation.
We’ll help you find a rate that balances today’s budget with tomorrow’s goals — so you stay consistent without feeling stretched.
Your fund choice plays a major role in your future outcome.
The right fund depends on your goals, timeframe, and comfort with risk.
We’ll help you understand your risk profile — your appetite for risk and what that means for your KiwiSaver strategy.
If you’ve never made a choice, you may be in a default fund — designed only as a starting point.
Together, we’ll review your options, explain the pros and cons of each fund type, and ensure your settings match your stage of life.
We’ll review your fund and ensure it truly matches your stage of life and financial objectives.
We work with proven, long-term fund providers, giving you peace of mind that your savings are in steady hands.
Your Prescribed Investor Rate (PIR) determines how much tax you pay on your KiwiSaver investment.
If it’s incorrect, you could end up overpaying or under-reporting.
We’ll make sure it’s set right — helping your savings work as efficiently as possible.
If you haven’t joined KiwiSaver yet, now’s the time. It’s designed for most New Zealanders and, in most cases, offers:
- Employer contributions (if you’re employed)
- Government contributions (member tax credit)
- Long-term savings for retirement or a first-home purchase
Even small contributions can grow significantly over time – especially when supported by regular reviews and the right fund choice.
Choose a contribution rate that fits your current situation.
We’ll help you find a rate that balances today’s budget with tomorrow’s goals — so you stay consistent without feeling stretched.
Your fund choice plays a major role in your future outcome.
The right fund depends on your goals, timeframe, and comfort with risk.
We’ll help you understand your risk profile — your appetite for risk and what that means for your KiwiSaver strategy.
If you’ve never made a choice, you may be in a default fund — designed only as a starting point.
Together, we’ll review your options, explain the pros and cons of each fund type, and ensure your settings match your stage of life.
We’ll review your fund and ensure it truly matches your stage of life and financial objectives.
We work with proven, long-term fund providers, giving you peace of mind that your savings are in steady hands.
Your Prescribed Investor Rate (PIR) determines how much tax you pay on your KiwiSaver investment.
If it’s incorrect, you could end up overpaying or under-reporting.
We’ll make sure it’s set right — helping your savings work as efficiently as possible.
Why Work With a KiwiSaver Adviser
When you manage KiwiSaver directly with a provider, you’re responsible for every decision – from fund selection to tax settings.
With an adviser, you gain the confidence of professional guidance and ongoing support.
At NextWave, our role is to:
- Provide information so you can choose a fund that suits your stage of life and attitude to risk
- Review your plan regularly
- Keep your settings tax-efficient and compliant
- Provide confidence and clarity so you can stay focused on the bigger picture
We don’t chase short-term performance or promote one provider over another.
Instead, we focus on building a relationship that keeps your savings aligned with your goals — through every wave of life.
Ongoing Reviews
Your KiwiSaver isn’t something to set and forget. We’ll offer reviews to check:
- Your employment status, income, or family situation hasn’t changed
- Your Prescribed Investor Rate (PIR) is correct
- You understand how your KiwiSaver is tracking
We help you stay informed — not just about your balance, but about what’s happening with your KiwiSaver and how it’s positioned for the long term.
Why Choose US
Relationship-Driven Advisory
Long-term, multi-stage support from advisers who know your family – not a call centre.
True Claims Advocacy
The real test of insurance isn’t when you buy the policy – it’s when you need it. We step into the process, prepare documentation, and advocate for fair outcomes where needed.
Multi-Provider Access
Tailored solutions from multiple insurers, not a single product suite.
Referral
Based
Life-Stage Based Planning
We don’t sugarcoat premiums or promise unrealistic pricing stability.
Honesty Over Sales Tactics
Plan for tomorrow, today. Smart guidance to choose the right fund and stay on track for your retirement goals.
Lived Experience
We’ve personally navigated trauma, disability, and claims. This changes everything about how we advise.