Retirement isn’t an end — it’s your next big chapter.
Whether it’s travel, hobbies, family time, or just peace of mind, the earlier you plan, the more freedom you’ll have to live life on your terms.
More time = more choices.
Planning early gives your money time to grow — and you more freedom to choose how you spend your retirement years. Even small, consistent contributions now can make a big difference later thanks to the magic of compound growth.
💡 Tip: Even if retirement feels far away, your future self will thank you for starting today. If you started with $50 a week at 25, you could have significantly more than if you started at 35.
Your lifestyle will set the target.
Think about the retirement you want. Will you own your home, travel often, or work part-time? Once you have a picture, you can work out an income target. A common guide is aiming for 70–80% of your current income.
Small steps that add up big.
Increase contributions
Even 1-2% more makes a difference.
Make lump-sum top-ups
Use bonuses or windfalls wisely.
Check your fund type
Ensure it matches your risk appetite.
Keep fees low
Every dollar saved is a dollar earned.
KiwiSaver is a great start — but it might not be enough.
Your KiwiSaver account is a strong foundation, especially with employer and government contributions. But most people will need extra savings or investments to fund the retirement they want.
Consider:
- Additional investments (managed funds, shares, property)
- Clearing debt before retirement
- Building an emergency buffer for unexpected costs
Stay on Track
Life changes — and your retirement plan should too. Review your fund, contributions, and retirement goals at least once a year.
Log In & Review Your PlanYour future starts now.
The best time to plan for retirement was yesterday. The next best time is today. Start small, stay consistent, and your future self will thank you.