KiwiSaver Adviser Recommendations
LIFE-TIME’s Authorised Financial Advisers can help you with your Retirement and KiwiSaver plans. If you are new to KiwiSaver and haven’t started a plan yet or you’re looking to switch to another KiwiSaver provider or fund-type, our Authorised Financial Adviser can help with:
- Evidence-based recommendations
- Appropriate advice based on your Risk Profile
- Tailoring a solution to your needs
We are independent from KiwiSaver scheme providers and have no tied relationships. In addition, we have access to most investment options available in NZ via investment companies, and KiwiSaver providers, so we can assist you with the fund(s) that best suits your specific needs.
Free KiwiSaver Comparison
LIFE-TIME Financial Group offer a free, evidence-based KiwiSaver comparison tailored to your requirements.
If you are unsure which KiwiSaver provider is best for you, LIFE-TIME will provide you with a market report that compares different KiwiSaver providers including, for example, AMP, ASB, KiwiBank (Gareth Morgan), OnePath (ANZ), BNZ, Fisher Funds and Milford. In fact, we can provide information and recommendations based on independent research for many of the KiwiSaver Providers.
Additionally, we can advise which type of fund is best for you using FinaMetrica Risk Profiling at no cost to you. Around 23% of all KiwiSaver members are in default funds and could be missing out on $72,000 each on missed returns (Source: NZ Herald).
At No Cost To You
LIFE-TIME Financial Group can assist you in transferring your KiwiSaver savings from one KiwiSaver provider to another KiwiSaver provider, at no cost to you. We also provide ongoing updates and recommendations throughout the client relationship, again, at no cost to you.
Our research-based advice and on-going service does not affect the returns you receive from your KiwiSaver provider.
We are confident that we can provide you with the most up-to-date information, based on independent data; if you decide not to proceed with your personalised KiwiSaver recommendation, there is no cost to you.
What is the best KiwiSaver Scheme for Me?
LIFE-TIME continually reviews the market to ensure our clients get the very best KiwiSaver investment fund(s) suited to their specific needs. Using independent research, we provide unparalleled and prudent evidence-based recommendations that are best for your circumstances.
If you have already been shopping around for a new KiwiSaver scheme provider, you will no doubt have seen comparisons between different funds, but not all comparisons are comparing ‘apples with apples’.
Your LIFE-TIME adviser, on the other hand, can provide you with options specific to your needs – if you are are interested in a Cash, Conservative, Balanced or Growth fund, we can tell you exactly which is performing best and what the risks are.
Choosing the right KiwiSaver provider for you
LIFE-TIME use the industry leading FinaMetrica Risk Profiling system to understand how you feel about investments to determine what kind of options are right for you.
Different KiwiSaver investment funds are suitable for different people depending on risk tolerance, time-frame to retirement and where you are in your working career. If you are planning on buying your first home in the near future, you may wish to act cautiously when it comes to your funds as you can access them for your home deposit. However, if you are many years from retirement, you might wish to invest in a growth fund which has more short-time volatility but tend to trend upwards over-time.
Combined with your savings time-frame, this helps your financial adviser recommend the most appropriate KiwiSaver investment fund suited to your circumstances across 100% of the marketplace.
For more information, please refer to the Choosing Investments page to see how KiwiSaver investment savings can be invested.
Questions to ask yourself
- Do I have the most appropriate KiwiSaver fund for my savings time frame and risk profile?
- How is the KiwiSaver fund I invest in performing compared to other KiwiSaver funds?
- How is my KiwiSaver scheme provider rated?
- How far am I from retirement?
If the answer to any of questions 1-4 is ‘no’ or ‘I don’t know’ then you should speak with LIFE-TIME as soon as possible to ensure your KiwiSaver account is the best it can be. If you don’t have access to all data on KiwiSaver investment funds, we can help.