Jun 30, 2025 Society
For many New Zealanders, KiwiSaver is a quiet building block of their financial future. It’s that regular deduction from your pay, steadily building in the background without you paying too much attention. But what if that background building block could be a much more powerful engine for your future savings? What if a simple conversation could unlock thousands, even tens of thousands, more in your eventual nest egg or help you into your first home sooner? You get advice for life’s other big financial decisions – your mortgage, your insurance, even major purchases. Yet, remarkably, many New Zealanders leave their KiwiSaver account, one of their most valuable assets, to chance, either going with their traditional bank or the scheme they first enrolled with in their first job. It’s time to change that. Generate is here to encourage you to take control of your KiwiSaver account and discover the difference that expert advice can make.
Research shows that individuals who receive advice about their KiwiSaver account tend to accumulate significantly more than those who don’t. And at Generate, over 90% of members have benefited from personalised KiwiSaver advice. We believe in empowering Kiwis through education and informed decision-making. This commitment to advice translates directly into results.
Generate members consistently have higher average KiwiSaver balances. Why? It comes down to two crucial factors: getting into the right fund for your goals and maximising your contributions. For most people, especially those with a long investment horizon, a growth-oriented fund, while more volatile in the short term, typically delivers superior returns over the long run. An adviser can help you understand your risk tolerance and financial goals to ensure you’re in the fund that’s right for you. Simple actions can have a huge impact too. For instance, around 85% of Generate members actively ensure they receive the annual Government Contribution – a significant boost to your savings that many others miss out on. An adviser can guide you on how to maximise your KiwiSaver account in ways you might not have considered, including optimising your contributions for a first home withdrawal if that’s a goal.
Just as with any significant financial product, the provider you choose for your KiwiSaver account matters. Generate stands apart for several reasons. It has a track record of consistently strong long-term performance. While short-term returns can be misleading, consistently strong long-term performance is a true indicator of a fund’s strength. Its Moderate, Growth, and Focused Growth KiwiSaver funds have all been ranked in the top three for 10-year returns every quarter they’ve been eligible since June 2023 in the Morningstar KiwiSaver Survey.*
This sustained performance speaks to Generate’s investment strategy and management expertise. These results have led to numerous awards, including multiple Consumer NZ People’s Choice Awards for KiwiSaver, as well as recognition from Mindful Money, INFINZ, and Morningstar. This acclaim underscores a commitment to its members and responsible investment practices.
Your KiwiSaver account is likely one of the largest financial assets you’ll ever own, playing a critical role in your retirement or your path to first homeownership. Why leave its potential unrealised? Whether you’re just starting your career, nearing retirement, or somewhere in between, a conversation with a Generate adviser can significantly improve your financial future. It’s about empowering you to make smart choices that will pay dividends for years to come. Feeling that little bit of FOMO? You should be. Imagine the difference a well-managed and optimised KiwiSaver account could make to your financial freedom.
