Choose the right Fund

If you didn’t choose your fund when you enrolled in KiwiSaver, and you are still in that fund, chances are you’re in the conservative fund of a default scheme. Generally speaking, these are designed to reduce the potential for frequent and large drops in balance and are generally suitable for those looking to access their KiwiSaver accounts within the next two to six years. Moving to a fund with a greater exposure to growth assets, like property and shares, should typically give a better long-term return.