DIY KiwiSaver - build your own KiwiSaver portfolio

With over 3 million New Zealander’s now taking part in KiwiSaver with over $70 billion invested, KiwiSaver has become arguably the most successful financial product in New Zealand's history, with an even brighter future.

As part of KiwiSaver’s evolution, investors now have the ability to manage their own KiwiSaver investments alongside a Financial Adviser via a self-select KiwiSaver Scheme called KiwiWRAP KiwiSaver Scheme, managed by Consilium NZ limited (Consilium).

Instead of the hands-off approach of mainstream KiwiSaver funds, investors will have the ability to hand-pick their investments from an extensive Authorised Investment List (AIL) provided with an Investment Options Supplement. Investors will have access to over 400 securities (ETF’s, funds, international shares and bonds) allowing them to build an investment portfolio that suits their goals, needs and appetite for risk with guidance from an adviser accredited to use the Scheme. This scheme is ideal for investors that want customisable investment choices, more control over their retirement savings, and full transparency of their holdings.

DIY retirement investing isn’t new or unique to New Zealand with the Craigs KiwiSaver Scheme offering a self-select investment option limited to just 190 securities. The scheme offered by Consilium is more cost-effective than the Craigs KiwiSaver Scheme and offers a much larger Approved Investment List (AIL) giving investors more choice to invest in areas that match their values. Self-managed super is more common in Australia and other countries such as the United States and is popular with people who prefer a hands-on approach or who would like a personalised portfolio to help them reach their goals.

Benefits of KiwiSaver funds v self-selecting individual shares or funds:

Benefits of KiwiSaver funds:

• Hands-off approach - good for investors who want to be less involved with their retirement savings

• Generally greater diversfication - for less volatility

• Managed by investment professionals

• Decisions based on thorough research and market/company knowledge

Benefits of self-selecting individual shares or funds:

• Tailored specifically to you - selected based on personal preference and appetite for risk

• Access to investment advice on which funds/companies suit your individual goals

• Control and transparency - you make the choices and changes

• Gain a better understanding of markets and companies 

• Choose from many of the worlds largest companies

At Compound Wealth we have helped over 1000 Kiwis make smarter KiwiSaver decisions currently advising on over $100m of KiwiSaver Funds. We are excited to offer this new service to current and prospective clients and are taking inquiries now to establish if this KiwiSaver solution is appropriate for you.

Please note to join the KiwiWRAP KiwiSaver Scheme, you must have a minimum initial balance of $50,000 to transfer in, and throughout the duration of your membership of the Scheme must continuously retain the services of a professional financial adviser who is accredited to advise on the Scheme by Consilium. Due to its design around choice, KiwiWRAP KiwiSaver Scheme is designed for investors at the top marginal tax rates.

If you believe you meet the criteria to create a custom DIY KiwiSaver, or want to know more, please visit our CompoundPro page for more information, or take our CompoundPro Quiz.

Compound Wealth are based in Mount Maunganui, Tauranga and offer KiwiSaver, Investment & Retirement Financial Advice to clients all over New Zealand.