Good KiwiSaver Advice Starts With You

The right KiwiSaver fund depends on your life - your goals, how far away retirement or a first home is, and how comfortable you are with your balance going up and down along the way. That's what we ask about first.

What we need to understand:
  • Are you saving for your first home or for retirement?
  • How do you feel about investment ups and downs?
  • Do you want to avoid things like weapons, gambling, or animal testing?

It takes a couple of minutes. And it's the foundation for everything - because KiwiSaver advice that doesn't start with your situation isn't really advice at all.

We Find Your Scheme and Handle the Switch

We analyse over 300 KiwiSaver options using independent data from Morningstar, rating every fund A+ through F and only recommending those that score B or above.

What we do:
  • Compare every fund on performance, fees, risk, and where your money is invested
  • Find the fund that fits you, not just your employer's default or your bank's first option
  • Handle the switch from start to finish once you're happy

    Most switches complete within a few working days, with updates along the way and nothing to chase on your end.

    We Keep Watching So You Don't Have To

    Switching to a better scheme is the start. Your life changes: new job, new salary, closer to buying a home, thinking about retirement. Each of those moments can mean your KiwiSaver needs a second look.

    What you get after you switch:
    • A dashboard showing how your KiwiSaver is tracking
    • Tools to keep you on course toward your goal, first home or retirement
    • Prompts when something changes that might affect your advice

    Your KiwiSaver advice should stay current. We make sure it does.

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    Independent advice

    Why Independent KiwiSaver Advice Matters

    If you go direct to a KiwiSaver provider, they’ll recommend their own scheme. That’s not a criticism - it’s just how it works. Banks and fund managers are there to run their products, not to compare themselves to the competition.

    BetterSaver is different. We’re not affiliated with any provider. No scheme pays us to be recommended. Our advice is based on the data, your goals, and nothing else.

    That’s what independent KiwiSaver advice looks like - and it’s what you should expect.

    Who it's for

    Who Our KiwiSaver Advice Is For

    BetterSaver is for anyone who wants to know they’re in the right KiwiSaver scheme - which covers more Kiwis than you’d think.

    You’ll find our KiwiSaver advice useful if:

    • You’ve never reviewed which scheme you’re in

    • You joined automatically through your employer and stayed put

    • You’re a few years from buying your first home and need a different risk profile

    • You want your money invested ethically - or want to avoid specific industries

    • You’ve changed jobs, income, or financial situation

    • You’re not sure whether your current fees are reasonable

    It’s free. It takes a few minutes. And you’ll know exactly where you stand.

    Find a better KiwiSaver today

    Get my KiwiSaver recommendation
    Takes 2–5 minutes & It's free
    Frequently asked questions

    Frequently asked questions

    See more FAQs

    What is KiwiSaver?

    KiwiSaver is a long term savings scheme set up by the New Zealand Government to help you build wealth for retirement. For many Kiwis, it ends up being their biggest or second biggest asset after their home. That is why being in the right fund matters.

    Can I switch KiwiSaver providers at any time

    Yes. You can switch whenever you want.

    Is BetterSaver free to use?

    Yes. The quiz and recommendation are free. You still pay your KiwiSaver fund fees to your chosen provider, as normal.

    Should I just go direct to a provider?

    Providers will only promote and recommend their own funds. BetterSaver is independent, looks across the market, and gives you a straight answer about what fits you best.

    Do you compare the whole KiwiSaver market?

    Yes. We analyse the market, but only recommend funds that meet our quality criteria.

    Payments from providers do not impact our recommendations. If a provider does not support switching through BetterSaver it may limit our ongoing support.