One of the simplest ways to build wealth, whether for your first home or planning for retirement. The sooner you set it up right, the better it can work for your future.
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KiwiSaver is one of the easiest ways to build wealth without even thinking about it. You put some in, your employer adds more, and the government often tops it up.
The earlier you get it working for you, the more time your money has to grow.
That’s why choosing the right fund and contribution level matters. With the right setup, KiwiSaver can be one of the smartest financial tools you’ll ever use.
Most Kiwis don’t realise that KiwiSaver has dozens of different funds and providers, each with their own fees, performance, and benefits.
Yet many people simply stick with the default option usually from their bank, which is often one of the most expensive and least effective choices.
The difference between the wrong fund and the right one can add up to tens of thousands of dollars over your lifetime. That’s why getting advice matters.
We offer a comprehensive range of financial protection services to secure every aspect of your life
Provides a lump-sum payment to your loved ones if you pass away, which can help them manage financially.
Pays a monthly benefit, like a regular salary, if you're unable to work due to illness or injury.
A one-off payment if you're diagnosed with a specified serious illness, like cancer or a heart attack.
Covers the cost of private medical care, helping you bypass public waiting lists for treatment.
Financial support if you become permanently disabled and are unable to work again.
Expert guidance to help you make the most of your Kiwisaver, from fund selection to retirement planning.
At Pulse Advice, we’re proud of the trust our clients place in us. Here’s what they have to say about working with our team.
Insurance & KiwiSaver
"It’s a great peace of mind knowing my insurance and KiwiSaver are set up correctly.
Highly recommend Pulse Advice!"
Medical Insurance
"Michael was able to listen to our needs and came up with a solution that both my wife and I are super happy with.
He made the process very easy, stoked that we are now covered."
KiwiSaver
"Harper was great to deal with.
He took the time to explain everything clearly and made sure I felt confident with my KiwiSaver choices. Really appreciated the guidance throughout"
Insurance & KiwiSaver
"I received advice on both KiwiSaver and insurance in general.
The adviser took the time to understand my situation, explained the options in clear terms, and provided well-reasoned recommendations; process was transparent and efficient."
Life Insurance
"Michael was very efficient with the paperworks online and it was a breeze for us who are not so tech-savvy.
I would highly recommend Pulse Advice. Thanks to our trustworthy adviser Michael!"
KiwiSaver is a voluntary savings scheme set up by the New Zealand Government to help Kiwis save for retirement or their first home. You, your employer, and the government can all contribute.
You can contribute 3%, 4%, 6%, 8%, or 10% of your income. Many people start at 3%, but increasing your rate even slightly can make a big difference over time.
Yes, if you’re an employee and contributing yourself, your employer must add at least 3% of your gross pay on top of your salary or wages.
Each year, the government adds 25 cents for every dollar you contribute, up to a maximum of $260.72. To get the full amount, you need to put in at least $1,042.86 between 1 July and 30 June each year.
Yes, you can change providers at any time. It’s free and takes just a few minutes. The key is making sure the new provider’s fees, returns, and fund options suit you better.
Your KiwiSaver stays with you. Your new employer simply starts making contributions to your existing KiwiSaver account.
All providers charge management fees, and some include additional administration or performance fees. It’s worth checking these regularly, as small differences can impact long-term returns.
You can access your savings once you reach age 65 (or after five years of membership, if later). You can take it all out, leave it invested, or make partial withdrawals when needed.
Let's start the conversation.
Get in touch for a free, no pressure, no-obligation consultation to discuss your needs. Whether it's a brand new strategy, or some minor tweaks we're on your side.
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