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Helping New Zealanders achieve financial freedom

We’re in the business of helping others – and we look forward to helping you just like we’ve helped thousands of Kiwis before you. So hold on tight – your IKONIK journey is about to begin, and we promise it’ll be one to remember.

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Find out how to maximize your KiwiSaver contributions. Getting good advice now could mean HUNDREDS OF THOUSANDS of additional dollars in retirement!

Discussion points:

  • Getting to grips with KiwiSaver
  • Recent changes, contributions and savings tips
  • What happens to your money when investing in KiwiSaver
  • Why selecting the right fund is critical
  • Kiwisaver for first home buyers
  • What makes a good KiwiSaver provider?



Get peace of mind with affordable insurance and quality cover. We can provide insurance comparisons and if you’re running a business, make the most of group discounted premiums and free advice in the following areas:

  • Life cover
  • Terminal illness
  • Serious illness (such as heart attack, cancer or stroke)
  • Permanent disability
  • Income cover
  • Mortgage protection
  • Health insurance
You can change the lives of your friends and work colleagues for the better. With a free KiwiSaver educational workshop (held at your workplace), you can empower the people you work with to make better financial decisions, realise their dream of a first home, or look forward to a comfortable retirement free of money worries.


Disclosure statements for IKONIK financial advisers are available on request and free of charge.

You’ve got options. You can contribute 3%, 4%, 6%, 8% or 10% of your gross (before tax) wage or salary. 

For every $1 you contribute to your KiwiSaver account from 1 July to the following 30 June, the government will match it by 50 cents, up to a maximum of $521.43 per year. You must be at least 18 to qualify.

If you’re contributing to a KiwiSaver scheme from your salary or wages, your employer is required to put in a minimum of 3% of your before tax pay (less employers superannuation contribution tax), if you’re 18 or over.

As an employee paying PAYE, you’ll need to contribute 3% for at least the first 12 months of membership.

Return on investment (ROI) is an approximate measure of an investment’s profitability.

If you have not already bought your first home and you have been in KiwiSaver for at least 3 years, you can withdraw all employer’s contributions, your own contributions, plus any returns made on your investments.  With recent changes to KiwiSaver you can also now withdraw the governments contributions, except you must leave a $1,000.00 balance.

If you’re a first-time home buyer, or a previous home owner and you’ve been making regular KiwiSaver contributions for 3 – 5 years, you may be eligible for a First Home Grant of up to $10,000. You apply for the grant through Kāinga Ora – Homes and Communities.

  • To be eligible for a First Home Grant, you must:
  • be over 18
  • have earned less than the income caps in the last 12 months
  • not currently own any property
  • have been contributing at least the minimum amount to KiwiSaver (or complying fund or exempt employer scheme) for 3 years or more
  • purchase a property that is within the regional house price caps
  • agree to live in your new house for at least 6 months.

You must also make sure the house or land you want to buy meets the property requirements.

Income requirements:

In the 12 months before you apply, you must have earned:

  • $85,000 or less before tax for a single buyer
  • $130,000 or less before tax for 2 or more buyers.


Property Value Requirements:


When you’re picking a KiwiSaver fund, you want to base your decision on more than just what a friend, your bank or company tells you. Simply choosing last year’s top performing fund won’t help much either, as that’s already passed and the future’s hard to predict.

KiwiSaver is heavily regulated by the government. Regardless of who you select as your provider, your money is managed and distributed by an independent trust separate from the provider. This provides more security and peace of mind around our money that is being invested.  

We have used certain assumptions in this calculator, which play an important part in the final results shown to you on this page. These assumptions are set by the Financial Markets Authority and the government. The key assumptions are as follows: Inflation is 2% p.a. Salary growth is 3.5%. Retirement Age is 65. Age at which weekly payments cease is 90. Investment returns after fees and taxes for Defensive 1.5%, Conservative 2.5%, Balanced 3.5%, Growth 4.5%, Aggressive 5.5%. 

The rates of return are after tax of 28% (the highest PIR for KiwiSaver members) and average fees for the fund type. Investment returns post-retirement 2.5%. Weekly payments are calculated in real terms as a current dollar amount.
More details here: 

These figures only relate to KiwiSaver and do not take into account any other retirement savings or income you may have or be entitled to. These figures are estimates only. They are calculated based on your current balance, contribution rate, and fund choice, and an assumed rate of investment returns of based on your selected fund type.

Your weekly amount figure is based on a life expectancy of 90, and does not include your New Zealand Superannuation entitlements.

Your KiwiSaver account returns are subject to investment and other risks (including potential losses). No returns are guaranteed or assured, and returns can at times be negative, particularly given the length of the investment period shown in the illustration. Past performance is not necessarily an indicator of future performance and returns over different periods may differ.


Whilst fees are an important factor in assessing the competitiveness of a scheme, studies have shown that “there is often an inverse relationship between fees and investment outcomes achieved by members, as those funds with the lowest fees will often provide lower investment returns than their higher fee counterparts”

Some providers offer online forms, tools, calculators and information on how to optimise your KiwiSaver. 

More communication is not always better communication, but if the provider gives you options on how you like to be reached, that usually helps too.

“Ethical” will mean different things to different people, but there are a number of KiwiSaver funds that filter out certain “undesirable” investments.

Some strategies will tilt towards higher standards by including positive-impact investments (i.e. anything in renewable energy or zero-waste), whereas other strategies commit to excluding investments which are seen as having negative impact. Almost all funds use a combination of both approaches.


At IKONIK, we’re passionate about financial education and helping everyday kiwis take control of their financial futures. We believe the unique service we offer is life changing. If you enjoyed your IKONIK experience as much as we enjoyed helping you , we’d love to help your loved ones too. TOGETHER WE CAN MAKE A DIFFERENCE!​