5 simple ways to kickstart your KiwiSaver in 2026

The summer holiday season provides many of us with the space to reset. It’s a chance to step back from the daily grind, think about what’s been working (and what hasn’t), and set yourself up for a stronger financial year ahead.

At a time when new resolutions are made and fresh goals are set, the start of the year is the perfect opportunity to get your KiwiSaver on track. And these five simple tips will help you do just that…

1. Contribute more

A little more can make a big difference

You’d be amazed at the growth that can be achieved by a small increase to your KiwiSaver contributions. Can you afford to put in 4 percent or 6 percent, rather than the minimum 3 percent? Perhaps your employer would consider raising their contribution too. Remember, every little bit helps.

Next step: Take note of your contributions, and when you next get a pay rise, decide whether you can afford to put away a little more.

2. Choose the right fund

Make your money work harder

You work hard for your money, so make sure it’s in the right KiwiSaver Fund for you. Having a good understanding of your goals, your tolerance for risk and your timeframes means you’re more likely to be invested in the right fund and better prepared for the journey ahead.

Next step: Try the Milford KiwiSaver Digital Advice Tool to help you choose a Milford Fund that matches your goals and timeframe.

3. Compound returns

The sooner you start, the better off you’ll be

The more time you have, the more your money can grow, thanks to the powerful effects of compounding returns. That means if you start sooner, you can dream bigger. Make it a priority to contribute early and consistently.

Next step: Spend 30 minutes this week checking your KiwiSaver settings and making sure you’re getting the most from your investment. Have a question? Get in contact with us, we’d love to help.

4. Get advice

It’s more accessible now than ever

We’re emotionally connected to our finances, which can make it tough to see things objectively. A fresh set of eyes and ears can make all the difference. Good advice brings clarity, perspective and confidence.

Next step: Chat with the Milford team over the phone or use our KiwiSaver Digital Advice Tool online if you prefer to start digitally.

5. Partner for success

Choose an investment specialist you trust

Achieving your goals starts with finding a partner you can trust. Do your research and actively choose a KiwiSaver provider you’re confident can deliver strong results over the long term. This can make your investment journey less stressful, keep you on track to achieving your goals and set you up for a more comfortable future. 

Next step: Look to resources such as Sorted, or Morningstar KiwiSaver Survey. Then check in yearly to evaluate if your provider is working the best they can for your future.