KiwiWRAP

Make the most of your
KiwiSaver investments

Work closely with a financial adviser to design a KiwiSaver portfolio suited to your retirement goals and preferences. It's time to take control of your KiwiSaver investments.

Flexibility to design your KiwiSaver portfolio

With your adviser to guide you along the way, KiwiWRAP KiwiSaver Scheme gives you control over how you invest to meet your retirement goals, and works alongside the other investments within your wealth world.

As KiwiSaver balances grow, so does the need for professional financial advice. Market volatility highlights the importance of having an adviser to help you with decisions that may have a long term impact on the value of your investments.

You and your adviser can now work together to design a KiwiSaver portfolio and retirement plan for your specific needs, taking into consideration any other investments they advise you on. With over 400 investment options to choose from, environmental, social and governance-related investment preferences can easily be accommodated.

KiwiWRAP is an advice-led KiwiSaver scheme only available through an accredited financial adviser. A minimum initial balance of $50,000 is required.

Why should I use KiwiWRAP?

Work with your adviser

Receive personalised, expert advice from a financial adviser to help achieve your retirement goals.

 

Your choice, your control

KiwiWRAP transfers control of the investment strategy from single fund managers, into the hands of you and your adviser.

Your wealth world all in one place

KiwiWRAP investments can now be viewed alongside non-KiwiSaver investments as part of your overall wealth plan.

Transparency of fees

You'll get full transparency of fees, so you know exactly what you're paying for from the start.

Speak to an adviser today

Want to know more about how KiwiWRAP can benefit you?

Click the button below to find a KiwiWRAP accredited adviser, or contact your own financial adviser and ask how the KiwiWRAP KiwiSaver Scheme can benefit you.

If your adviser is not listed as a KiwiWRAP accredited adviser, they can contact us to find out more about the accreditation process.

Find an adviser

KiwiWRAP KiwiSaver Scheme gives you choice

Designed for investors who want to work with their adviser and have a personalised approach to their KiwiSaver investments.

KiwiWRAP transfers the control of investment decisions from the traditional 'single fund manager' KiwiSaver option, and into the hands of you and your adviser. 

Highest Average Member Balance KiwiWRAP KiwiSaver 2024 and a new kind of KiwiSaver Scheme with over 400 investment options

  • Flexibility to cater for your specific investment requirements

  • Over 400 investment options

  • Choose from many of the world’s largest companies

  • Access to leading fund managers

  • Align your KiwiSaver investment with your social responsibility preferences

  • Full transparency of fees

  • Ability to change your investments as circumstances change

  • Ability to integrate KiwiSaver with your other investments

“I was thrilled to now have many choices for my retirement savings and an opportunity to achieve better outcomes with a financial adviser to guide the way through the ups and downs over decades of investment.”


KiwiWRAP Investor

FAQ for investors

  • To join the KiwiWRAP KiwiSaver Scheme, you must have a minimum initial balance of $50,000 to transfer in. This can be topped up with a voluntary contribution when you join.

    Throughout the duration of your membership of the Scheme, you 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 on a higher marginal tax rate.

    The Scheme is not a portfolio investment entity (PIE). Tax is charged at a flat rate of 28% regardless of your marginal tax rate or prescribed investor rate.

    If you're unsure whether this Scheme is right for you, contact an accredited adviser today to discuss.

  • No, you will need to work with an adviser.

    KiwiWRAP is designed for investors who understand the value of advice and want to work with an adviser to help them reach their retirement goals. As your KiwiSaver balance grows, so does the need for professional, expert advice to help you make the most of your KiwiSaver investments.

  • Your adviser will provide you with a personalised plan which describes the fees you will pay.

    The total fees you will pay depend on your investment choices, the transactions you make and the fee you agree with your adviser for their service.

    For further details including fees and taxes, refer to the Investment Options Supplement and Product Disclosure Statement which can be found here, or find an adviser to discuss.

  • Yes.

    You can transfer your KiwiSaver investment balance to any other KiwiSaver provider at any time. You can also change advisers and stay within the Scheme, provided that your chosen replacement adviser is also accredited to use the Scheme.

  • The minimum $50,000 balance is only an initial requirement to join the Scheme. After you have joined the Scheme, the $50,000 balance does not need to be maintained.

  • We have a growing number of firms across New Zealand who are accredited to advise on the KiwiWRAP KiwiSaver Scheme. You can find a list of these firms here.

    If your adviser is not listed, they can contact us to find out more about the accreditation process.