How A Simple KiwiSaver Review Can Add Thousands

A $28-a-week change doesn’t feel like much until you zoom out and see what it can do to your retirement. We’ve got Dave back to walk through a real-world KiwiSaver case study for a 40-year-old on a $75,000 salary with a $30,000 balance, contributing 4% (with an employer match) and aiming to retire at 65 on the same income. We talk through the assumptions, then pressure-test the settings that quietly shape the outcome.We dig into two practical levers most Kiwis can actually control: choosing a KiwiSaver fund that matches your time horizon (balanced versus aggressive) and adjusting your contribution rate (moving from 4% to 6%). The projected difference is massive: retirement income lifting from around $39,000 a year to about $54,000, and a potential lump sum shift from roughly $325,000 to about $559,000. We also translate the extra savings into real life terms, about $28 a week, to show how habits and automation can make better investing feel easier.From there we step back and tackle the wider issue of financial advice in New Zealand: why so many people believe they’re “not wealthy enough” to talk to an adviser, and why that mindset can cost you years of progress. We also get honest about the Kiwi tendency to chat OCR and interest rates at a barbecue, while avoiding our own numbers, and why copying someone else’s returns without talking risk, ethics, and goals can backfire.If you want smarter KiwiSaver decisions, clearer retirement planning, and a healthier relationship with money, hit play. Subscribe, share this with a mate who needs a nudge, and leave a review. What’s one KiwiSaver question you’ve been putting off asking?Send us Fan Mail Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are!Join Here - https://bit.ly/4m9SL72