Question 1

Why work with Sentinel?

Accepted Answer

Most people set up their KiwiSaver when they start a new job and never look at it again. We believe that's one of the most costly financial mistakes a New Zealander can make. With access to a wide range of providers and funds, we analyse your current position, identify what's working and what isn't, and match you with the right fund and provider for your goals. Because we also look after your mortgage, we know exactly when to recommend a fund switch, whether that's ahead of your first home withdrawal, or approaching retirement. One adviser, one strategy, nothing falls through the cracks.

Question 2

Am I in the right KiwiSaver fund for my age?

Accepted Answer

Possibly not, and it's one of the most common issues we see. Many New Zealanders are in a default or conservative fund, meaning their balance is growing far more slowly than it should be. Equally, someone approaching retirement may be taking on more volatility than is appropriate. The right fund depends on your age, goals, and timeline, and getting it right can make a significant difference to your retirement balance.

Question 3

I'm about to buy my first home. What fund should I be in?

Accepted Answer

If you're planning to withdraw your KiwiSaver for a first home deposit, this is one of the most important questions you can ask. Many people don't realise that being in the wrong fund close to withdrawal can be risky. If the market drops just before you need the money, your balance could be significantly lower than expected. The timing of this switch matters, and it's something we guide you through as part of the process.

Question 4

What's the difference between conservative and growth funds?

Accepted Answer

The main difference is asset allocation. Conservative funds hold more cash and fixed interest assets, they're stable but grow more slowly. Growth funds hold more shares and investment assets, they have more ups and downs but historically deliver stronger returns over the long term. The right fund for you depends on your timeline, goals, and comfort with short term fluctuations, and that's exactly what we help you work out.

Question 5

Can I withdraw my KiwiSaver for a first home?

Accepted Answer

Yes, if you meet the eligibility requirements. These include having been a KiwiSaver member for at least three years, purchasing your first home, and intending to live in the property. You must also leave a minimum of $1,000 in your account. The withdrawal process needs to be started well in advance of your settlement date. If we're also managing your mortgage, we coordinate the entire process seamlessly, one less thing for you to worry about.

Question 6

Should I be contributing more to KiwiSaver?

Accepted Answer

Even a small increase in your contribution rate can make a significant difference to your balance at retirement thanks to the power of compounding. The key is finding a contribution rate that works for your budget today without sacrificing your future. That's exactly what we help you figure out.

Question 7

Can I change my KiwiSaver provider?

Accepted Answer

Yes, and it's easier than most people think. However, switching isn't always the answer. If you're already with a good provider, we may simply recommend adjustments to your fund type or contribution rate. If we believe there's a provider or fund better suited to your goals, we'll make that recommendation. Either way, we handle the process for you.

Find out where you stand

A simple, structured process to make sure your KiwiSaver is working as hard as you are.

Tell Us About Yourself

We Analyse Your Position

Strategy Meeting

Implementation & Ongoing Support

Why work with Sentinel

The Right Fund for Your Stage of Life

Maximise Contributions

Not All Providers Are Equal

A Plan That Grows With You

Common questions

Your KiwiSaver could be working harder. Let's find out by how much.