If 2025 is the year you want to get serious about your future, now’s the perfect moment to take a fresh look at your KiwiSaver. Recent trends show that more Kiwis are switching from big bank schemes to higher-performing boutique providers—which speaks volumes about the value of active, attentive management.
What’s Driving the Shake-Up?
A recent RNZ report reveals a big shift: 163,000 KiwiSaver members changed providers in the year to March 2025, marking a 22% increase in switch activity. While big banks like ANZ, ASB, and Westpac saw large net outflows, boutique operators with a KiwiSaver focus enjoyed substantial inflows.
Why the drift away from major banks? Many savers are realizing they can get better long-term performance—and better customer support—from more nimble, actively managed funds. Rather than staying with a big bank by default, people are asking, “Is this still the best place for my money?”
It's About More Than Just Numbers
1News data suggests that aggressive KiwiSaver funds have delivered strong returns—8.6% pa over 10 years, compared to 7.8% for growth, 6.4% balanced, and 4.1% conservative funds. And even when markets wobble, consistent contributions can help you buy at lower prices—the ups and downs help smooth returns over time.
Moreover, although big providers manage billions, the average fee remains under 1% (0.82%). That means even small differences in performance matter over the long haul.
Why NZ Advice Group?
You don’t have to go it alone—or stay in a provider that doesn’t serve you. At NZ Advice Group, we believe your KiwiSaver should do more than just sit there:
Is your fund actively managed? We review whether you’re in a fund that responds to market conditions, not just tracks them.
Is your fund delivering? We compare long-term performance, not just last year’s returns.
Does it align with your goals? Whether you're growth-focused, cautious, or somewhere in between—we’ll ensure your KiwiSaver matches your objectives.
Are you paying for what you don’t need? We assess fees, fund performance, and overall value.
Time to Switch from Passive to Purposeful
If you’re ready to explore your options, let us guide you. Whether you’ve outgrown your default provider—or just want more control—NZ Advice Group can help you steer your KiwiSaver toward confidence and performance.
Ready to make your KiwiSaver work harder for you? Book a review with us today and let’s ensure your future is as bright as it should be.