DIY KiwiSaver - Build a personalised strategy with professional guidance
Most KiwiSaver providers limit you to a small number of preset fund choices. The KiwiWRAP KiwiSaver Scheme is different. There are no preset limits on how your portfolio can be constructed, giving you more flexibility and transparency over where your money is invested.
The platform provides 24/7 online access to performance reporting, individual holdings and transaction details so you always know exactly how your KiwiSaver is allocated.
For investors seeking more control and visibility, while still benefiting from professional oversight, this structure offers a more tailored approach.
Why condiser a personalised approach?
Working with a financial adviser gives you access to a wider universe of investments. Instead of being restricted to a preset mix of assets, we can help you tailor your KiwiSaver portfolio to:
Support your personal investment goals
Align with your values and convictions
Capture global opportunities beyond mainstream funds
Manage risk in a way that fits your situation
Actively adjust as your circumstances change
What you can invest in
Through KiwiWRAP, we can access more than 400 approved securities, including:
Regulated global ETFs
Individual international shares
Gold and other commodities
Direct bonds and cash
Thematic investments and sectors
Bitcoin & Crypto ETFs
You can view the full list of available investment options here:
www.kiwiwrap.co.nz/investment-options/
You get much more flexibility than the traditional set and forget approach.
Two pathways at Compound Wealth
Compound Model Portfolios
We implement portfolios constructed by the Consilium Investment Committee, using trusted managers such as Kernel, Russell Investments, Dimensional and Harbour. They are built for long term growth, diversification and cost efficiency.
Compound Pro (Fully Bespoke KiwiSaver Portfolios)
This is the best fit if you want your KiwiSaver to be built specifically around how you want to invest. We help you design and manage a customised portfolio. It is generally suited to investors with $300k or more in KiwiSaver, though some may qualify with lower balances depending on eligibility.
Who is this suited to?
This service is ideal for investors who:
Want visibility and input into how your KiwiSaver is invested
Prefer transparency around individual securities
Value professional oversight
Are comfortable making informed decisions over a long timeframe
We have supported KiwiWRAP clients since it inception in 2021 and manage a wide range of customised strategies. Some clients who chose higher risk, high conviction approaches have experienced stronger performance than traditional KiwiSaver funds. These strategies also involve higher volatility and greater risk, and performance is not guaranteed.
What is the process?
1. Initial conversation
Confirm whether the KiwiWRAP structure is appropriate and which service pathway applies.
2. Understanding your objectives
Complete our Fact Find & Risk Profile questionairre
3. Portfolio design
We develop an investment strategy that reflects your preferences, goals and risk appetite.
4. Review and approval
You receive advice that outlines recommended investments, associated costs and how the portfolio will be managed over time.
5. Implementation
We handle the KiwiWRAP application and oversee the transfer of your existing KiwiSaver balance.
6. Ongoing reviews
Your portfolio is monitored regularly and reviewed annually to ensure it remains aligned with your objectives. You can track performance at any time via KiwiWRAP’s secure online portal.
Want to learn more?
Email adam@compoundwealth.co.nz or visit our Compound Pro page to find out more.
Compound Wealth are based in Mount Maunganui, Tauranga and offer KiwiSaver, Investment & Retirement Planning services to clients all over New Zealand.