Redirect Your Mortgage Savings into KiwiSaver – Your Future Self Will Thank You

Mortgage rates in New Zealand are dropping, meaning you might have some extra cash each month. Instead of spending it, why not put it into your KiwiSaver? This simple move could give your retirement savings a huge boost.

Why Extra KiwiSaver Contributions Matter

KiwiSaver grows over time thanks to compounding—where your earnings generate even more earnings. The sooner you start, the bigger the impact.

If you put just $50 a week into KiwiSaver and it earns an average return of 6% per year, you could have:

· $35,000 in 10 years

· $101,000 in 20 years

· $207,000 in 30 years

Note: These numbers are estimates and not guaranteed. Investments go up and down. Figures are based on historical assumptions and may not predict future performance.

Why Now Is a Good Time

You've already been managing a tight budget with high mortgage rates. Instead of spending that extra cash, why not build long-term wealth?

Extra KiwiSaver contributions can help you:

✔ Grow your retirement savings ✔ Rely less on NZ Super ✔ Save more if you're planning to buy your first home

How to Get Started

• Increase Your Contribution Rate – KiwiSaver allows 3%, 4%, 6%, 8%, or 10% contributions. Consider upping yours.
• Make Voluntary Contributions – You can add extra money anytime, even a lump sum.
• Check Your KiwiSaver Fund – The right fund matters. If unsure, consider speaking to a licensed financial adviser.
• Get the Government Bonus – If you put in at least $1,042.86 a year, the government adds $521.43 for free!

Small Steps, Big Future

Keeping your budget steady and putting extra cash into KiwiSaver can be a game-changer for your future. Even small changes now can mean a more comfortable retirement.

Want to see how much your KiwiSaver could grow? Take our quiz today!

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Disclaimer: This is general information, not financial advice. KiwiSaver returns are not guaranteed and can go up or down. Figures are based on historical assumptions and may not predict future performance. Talk to a licensed financial adviser before making any major money decisions.