National Capital

11/12/2025

Too many Kiwis choose their fund based on brand, fees, or what a friend said and lose thousands in potential growth.

At National Capital, we make it simple: we analyse your goals, assess your risk profile, and recommend the fund that fits you.

Take your free KiwiSaver HealthCheck today:
👉https://healthcheck.nationalcapital.co.nz/

National Capital is an Auckland and Christchurch–based KiwiSaver adviser analysing 300+ funds to provide impartial recommendations and free fund-change support nationwide. We help Kiwis choose the best KiwiSaver option for long-term returns, first-home goals, and retirement confidence.

11/12/2025

Why independent advice can be a game-changer for your KiwiSaver. Discover the real value of financial guidance.

This article highlights the value of financial advice, and how reviewing your KiwiSaver could significantly impact your long-term financial future.

National Capital is an impartial KiwiSaver advice service analysing 300+ funds to help Kiwis choose the most suitable fund for their goals and risk profile.

https://www.nationalcapital.co.nz/the-value-of-financial-advice-and-what-it-means-for-your-kiwisaver/

Did you know? If you’re in KiwiSaver fund, part of the fees you pay may already cover financial advice ,even if you’ve never spoken to a financial adviser.

03/12/2025

Are You Paying for KiwiSaver Advice You’re Not Actually Receiving?

Many Kiwis are paying KiwiSaver fees that include advice — yet never receive any meaningful guidance. Even when advice is offered, it’s often limited to a provider’s own range of funds rather than the full market.

This article breaks down why impartial advice matters, what you may be missing, and how reviewing your KiwiSaver could significantly impact your long-term financial future

National Capital is an impartial KiwiSaver advice service analysing 300+ funds to help Kiwis choose the most suitable fund for their goals and risk profile.

https://www.nationalcapital.co.nz/are-you-paying-for-kiwisaver-advice-youre-not-getting/

Did you know? If you’re in KiwiSaver fund, part of the fees you pay may already cover financial advice ,even if you’ve never spoken to a financial adviser.

13/11/2025

Ever wondered why your KiwiSaver provider never suggests switching to another company’s fund?

That’s because most providers can only recommend their own funds.

It’s not necessarily wrong — but it is limited.

When you only hear from one provider, you’re not getting the full picture of what’s best for you.

You could be missing out on higher returns, better risk alignment, or even a smoother path toward buying your first home.

That’s where impartial advice makes all the difference.

At National Capital, we analyse over 300 KiwiSaver funds across providers to find the one that best matches your goals and risk profile.

We don’t just give advice — we manage the switch for you, end-to-end.

No sales pitch. No bias. Just smart, data-backed recommendations built around you.

Before locking in your KiwiSaver fund, make sure it’s the right one for your future.

Take the free KiwiSaver HealthCheck and get your personalised advice today.

https://healthcheck.nationalcapital.co.nz/...

28/10/2025

For many New Zealanders, KiwiSaver will be their second-biggest financial asset. Yet too often it’s left unmanaged, costing people thousands.
With impartial, research-backed advice, you can give it the attention it deserves.
At National Capital, we compare over 300 funds to find the one that best fits your goals.
Take your free KiwiSaver HealthCheck today:
👉https://healthcheck.nationalcapital.co.nz/

15/10/2025

Most KiwiSaver providers focus on keeping you in their funds — not checking if they’re still right for you.
At National Capital, we’ve helped over 2,000 Kiwis make smarter, more informed KiwiSaver decisions.
Our advice is independent, research-backed, and designed to keep your savings working for you.
Take your free KiwiSaver HealthCheck today and see if it’s time for a change.
👉 https://healthcheck.nationalcapital.co.nz/?utm_source=linkedin&utm_medium=social&utm_campaign=healthcheck_post_oct2025

28/09/2025

Did you know you might already be paying for KiwiSaver advice — without receiving it?
Many Kiwis miss out on guidance that could improve their long-term savings.
Don’t pay for advice you’re not getting.
Take 5 minutes to check your KiwiSaver today.

https://healthcheck.nationalcapital.co.nz/

28/09/2025

Why Impartial Advice Can Transform Your KiwiSaver

Your KiwiSaver could be your biggest asset after your home — but is it working as hard as it could? Without impartial advice, you might be stuck in the wrong fund, paying higher fees, or missing out on better returns.

An impartial adviser:
- Finds the best provider and fund for your goals and risk tolerance
- Reviews your strategy as life changes (new job, family, retirement)
- Helps you avoid costly mistakes in volatile markets

Don’t leave your future to chance. See how a quick review can make a big difference.

Get your free KiwiSaver Health Check with National Capital today.
Link in the first comment 👇

28/09/2025

Are You Missing Out on Advice You’re Already Paying For?

Did you know your KiwiSaver fees likely include access to impartial financial advice — even if you’ve never used it? Most Kiwis don’t realise this and miss out on guidance that could boost their retirement savings.

An impartial adviser works for you, not the fund manager, ensuring your KiwiSaver aligns with your goals and life stage.

Don’t pay for advice you’re not getting. Please take 5 minutes to check your KiwiSaver and unlock its full potential.

Get your free KiwiSaver HealthCheck with National Capital today:
Link in the first comment 👇

31/07/2025

From 1 April 2026, minimum KiwiSaver contribution rates are set to increase for the first time since the scheme began. While this change is aimed at helping Kiwis grow their retirement savings faster, it may impact your take-home pay and could mean it’s time to review your fund settings and contribution level.

At National Capital, we break down what’s changing, who it affects, and—most importantly—what you should be doing now to make sure your KiwiSaver is working for you, not against you.

What’s Changing? The government has announced that starting from 1 April 2026, the default KiwiSaver contribution rate for both employees and employers will increase from 3% to 3.5% of gross pay. Then, on 1 April 2028, this rate will rise again to 4%. These changes are part of Budget 2025’s effo...

07/07/2025

Still Not Sure if You’re in the Right KiwiSaver Fund? This Might Help.

At National Capital, We’ve helped thousands of Kiwis who weren’t sure if their KiwiSaver fund matched their goals — whether it was buying their first home, planning for retirement, or just making smarter investment choices.

This short read explains how to assess what “best” really means when it comes to KiwiSaver.

Published 17 June 2025 Choosing the right KiwiSaver fund isn’t always as simple as ticking a box — and yet, that’s how many people end up in one. Maybe you picked a fund when you first enrolled, and haven’t looked at it since. Or perhaps your employer signed you up to a default fund, and [.....

12/06/2025

If you're a KiwiSaver member, you're entitled to Government contribution of 50 cents for every $1 you contribute, up to a maximum of $521.43, for the period ending 30th June 2025.

Starting 1st July 2025, this will be halved to 25 cents per $1 and capped at $260.72, alongside other changes to eligibility criteria.

To receive the full $521.43 for the last time, you’ll need to contribute at least $1,042.86 of your own money between 1 July 2024 and 30 June 2025. Still a bit short? You have until 30th June 2025 to top up your account to meet the minimum contribution required.

What to do now:
✔ Check your contributions on the myIR portal to see if you're on track—or if you need to make a voluntary contribution.
✔ You can top up your KiwiSaver by transferring money through your provider.

How to take control of your KiwiSaver

Take our KiwiSaver HealthCheck — it’s fast, secure, and completely free. We’ll review your fund, ensure it aligns with your goals, and help you make the most of every dollar you invest.
https://healthcheck.nationalcapital.co.nz/kiwisaver-healthcheck?utm_source=June2025&utm_campaign=NewsletterNC