New Year’s resolutions often fade fast, but reviewing your KiwiSaver account is a quick, high-impact task you can actually tick off today.
Here’s your 2026 KiwiSaver account action plan:
Instead of saying, “I want to save more,” try being more specific.
The Action: Pick one clear goal.
E.g. “I want to save $50,000 for a first home in 4 years”, or “I want more freedom in retirement”.
Why? A clear goal helps match your investment strategy to what you’re aiming for, and keeps you motivated.
Small changes today can make a meaningful difference over time.
The Action: Find your current contribution rate (check your payslip or myIR). If you’re at 3% or 3.5%, could you step up to 4%, 6%, or even 10%?
Why? Even a small increase now can add up to thousands more by the time you need it, thanks to compounding returns.
Your fund should reflect your goals, how long you plan to invest, and how comfortable you are with market ups and downs.
The Action: Check if your current fund aligns with your goals.
Long-term goal? A growth fund may suit. Closer to using your KiwiSaver savings? A more conservative option could help manage risk.
Why? The right fund helps balance risk and return, and keeps you on track through market ups and downs.
The rules have changed, but the top-up is still worthwhile.
The Action: If you’re eligible and earn less than $180,000 per year, contribute at least $1,042.83 between 1 July 2025 and 30 June 2026.
Why?
You don’t have to figure it out alone.
The Action: Chat with your adviser or an Aurora KiwiSaver specialist for practical, personalised advice.
Why? Expert guidance helps you make confident, informed decisions about your financial future.
A few simple steps today can help set you up for a stronger financial future.
Talk to your Adviser today or get in touch with the Aurora Client Care Team
0800 242 023
hello@aurora.co.nz