Question 1

What is Digital KiwiSaver Advice?

Accepted Answer

Free, independent advice that matches you to a KiwiSaver fund based on your goals, values and preferences. Five minutes on your phone or laptop, whenever suits you. We do the research and hand back a clear result, and we're with you for the whole journey.

Question 2

How could it help me?

Accepted Answer

Around 1.5 million KiwiSaver accounts are in an underperforming fund, on data as at 2 July 2026. Our goal is to give Kiwis confidence they're heading the right way, and to help the ones who aren't get there by putting them in a fund that suits them.

Question 3

Why is this better than a human adviser?

Accepted Answer

We work from facts and stats across the whole market. Some providers pay us when someone joins or stays with them through us, but that never decides the answer, and we recommend funds from providers who pay us nothing. What decides it is your answers: we check every fund in the market and recommend from the ones that meet our standards, so there's no sales pressure and no one talking you into anything. Nothing comes out of your balance, and our disclosure statement sets out exactly how we're paid.

Question 4

What do I get at the end?

Accepted Answer

A personalised recommendation, in writing, with the reasoning behind it. If you want to act on it, we handle the switch for you.

Question 5

Will it tell me to switch funds?

Accepted Answer

Only if it should. It checks your current fund first, against your answers. If that fund already fits you, it says so and you stay where you are. That's a real result, and a common one. It only recommends a change when there's a fund out there that suits you better.

Question 6

Is it a one-off, or can I come back?

Accepted Answer

It's ongoing. We're a digital adviser, but a real one: we check in to keep you on track, share tips along the way, and you can talk to a human whenever you want. If your job changes, your plans change, or you just want to know where your KiwiSaver stands, we're here.

Question 7

What is Fund check?

Accepted Answer

The screening test before Digital KiwiSaver Advice. Pick your fund and see straight away how it's performing against its peers, the funds in the same risk profile: to count as performing well, it has to beat the middle of that group. It's not personalised advice, just a clarity check.

Question 8

My fund is underperforming. What should I do?

Accepted Answer

Take your time. Underperforming means the fund's returns have trailed similar funds over the years it's been running. That's worth knowing, and it isn't the whole picture: the right fund for you also depends on your goals, your timeframe and what you want your money doing. Digital KiwiSaver Advice weighs all of that and gives you a recommendation in writing.

Question 9

Why isn't my fund ranked?

Accepted Answer

Some funds have no group of like funds to measure them against, so we don't put a verdict on them. Single-sector funds are one building block rather than a whole portfolio, age-based funds change their risk level as you get older, and platform funds hold other funds inside them. A fund that's too new gets its own result instead: we show how it's tracking so far, without ranking it.

Question 10

Do I have to get advice to use the site?

Accepted Answer

No, and that's why we started Find My Fund: one place to see the data on every fund, unbiased and actually readable. Our mission is to help Kiwis make the most of KiwiSaver, whether that's giving them the information or giving them the advice.

Question 11

Where do your numbers come from?

Accepted Answer

Every KiwiSaver fund's official disclosures: returns after fees and tax, the fees themselves, and what each fund actually holds, for every fund in the market. We refresh it as new data is published, and everyone sees the same figures.

Question 12

Do past returns tell me what my fund will do?

Accepted Answer

No. Past returns show how a fund has done, not what it will do next. Markets rise and fall, and last year's leader can trail next year. That's why Fund check looks at the long run, and why Digital KiwiSaver Advice weighs your goals, timeframe and comfort with risk, not just returns.

Question 13

How do I get more out of my KiwiSaver?

Accepted Answer

Beyond your fund, the big ones are contributing enough to get the full government contribution, checking your PIR is right, and knowing the trade-off before a first home withdrawal.

Frequently Asked Questions.

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