Navigating KiwiSaver can feel overwhelming—but it doesn’t have to be. At Kōura, we believe that every Kiwi deserves the best tools to make informed decisions about their financial future. That's why we’ve revamped our digital advice tool, now called Guided Choice, to help you take control of your KiwiSaver with confidence. 

Whether you're new to KiwiSaver or looking to optimise your existing account, Guided Choice is your personalised roadmap to building a portfolio that aligns with your goals. And the best part? It’s free, easy to use, and accessible right at your fingertips—just like having a top-tier wealth advisor in your pocket! 

Tailored Advice at Your Fingertips 

Imagine having access to the expertise of a high-end wealth advisor—all from the comfort of your couch. The new Guided Choice tool collects crucial information through a questionnaire, including: 

• Your KiwiSaver goals—whether you're dreaming of buying your first home or planning for a comfortable retirement; 
• Your attitude to risk and how you might react in a market downturn; 
• Your investing interests – do you want your KiwiSaver invested in crypto, property or clean energy – remember it is your largest investment account so we want to make it truly yours! 
• Your income and KiwiSaver contributions; and finally 
• Your current KiwiSaver fund; 

All of this information is inputted into the Kōura system, which then generates a personalised KiwiSaver plan for you. From this process, you will receive: 

• A personalised KiwiSaver portfolio perfected for your objective, risk tolerance, and investment interests (can you lay it out to show the page here with the recommendation – the video would be quite cool highlighting the specialty funds or something like this) 
• A clear picture of what your KiwiSaver will give you for your first home or retirement. Not sure how much you will need for your retirement, don’t worry we’ve got that covered too 
• A review of your current KiwiSaver fund to understand whether it is the right type of fund for you and importantly how the fees and returns compare to Kōura and the market averages 

A Must-Do for Every Kiwi 

We believe every Kiwi should engage with these tools—here’s why. KiwiSaver isn’t just a savings plan; it’s a crucial tool for securing your retirement or first home. The sad reality is that making poor KiwiSaver decisions can cost the average Kiwi hundreds of thousands of dollars at retirement. KiwiSaver is one of the largest investments many of us will ever have. But too often, we leave it to auto-pilot, not realising how small changes today could have a big impact on our financial future. 

With Guided Choice, you’re not just choosing a fund—you’re creating a portfolio that aligns with your personal goals. Whether you’re passionate about clean energy, want to dabble in crypto, or simply want to build a solid foundation for your retirement, Guided Choice helps you create a strategy that feels right for you. 

High-End Advisory, Right at Home

It removes traditional barriers to financial advice, allowing you to engage with sophisticated strategies without the usual hurdles of scheduling conflicts or geographical limitations. 

With this tool, you’re not just getting generic advice; you’re receiving personalized recommendations that reflect your unique situation and aspirations. It’s a game-changer for Kiwis seeking to take charge of their financial futures. 

Take Control of Your KiwiSaver Today 

Don’t leave your future to chance. With Guided Choice, you have the tools to make smarter KiwiSaver decisions and build a portfolio that works for you. It’s time to unlock the full potential of your KiwiSaver account and take a step toward a more secure financial future. 

Try it out today and see how easy it is to get started—your retirement, your home, and your financial future are all within reach.