DIY KiwiSaver - build your own KiwiSaver portfolio

With over 3 million New Zealander’s now taking part in KiwiSaver with over $100 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. The scheme offered by Consilium offers a much larger Approved Investment List (AIL) giving investors more choice to invest in what they want.

For a list of all available securities please refer to the KiwiWRAP KiwiSaver Scheme Investment Options Supplement.

At Compound Wealth, we work with sophisticated investors who prefer a self-directed approach to managing their KiwiSaver. Over the past few years, we’ve helped clients implement highly customised KiwiSaver portfolios, achieving extraordinary results by holding significant positions in companies and assets like Rocket Lab (RKLB), MicroStrategy (MSTR), Tesla (TSLA), Bitcoin ETFs, and Berkshire Hathaway (BRK) to name a few.

This self-managed KiwiSaver option allows you to take full control of your financial future, bypassing preset caps on securities and enabling you to pursue tailored, concentrated investment strategies. We support you every step of the way, overseeing portfolio setup and ongoing account management to help ensure your success.

Benefits of KiwiSaver funds v self-select KiwiSaver via KiwiWRAP KiwiSaver Scheme:

Benefits of KiwiSaver funds:

• Ease and Conveniance - KiwiSaver funds are professionally managed, making them perfect for a hands-off approach. You select your risk level, and the experts do the rest.

• Broad diversification - most KiwiSaver funds offer a broad level of diversification across various asset classes and global markets.

• Expert Oversight - Professional fund managers leverage market research and analysis to optimise returns while actively managing risk.

Benefits of self-selecting individual shares or funds:

• Personalisation - Self-directed portfolios can be customised to align closely with your financial goals, values, and risk tolerance.

• Global opportunities - Gain access to top companies and funds across global markets, broadening your portfolio's scope and potential.

• Flexibility in security weightings - There are no preset caps on security weightings. This allows you to have significant exposure to a single stock or sector if you believe it aligns with your strategy, offering unique opportunities for high-conviction investing.

• Potential for higher returns - With high-conviction investments, self-directed portfolios can outperform managed funds—though this approach involves greater risk and requires active management.

Take Control of Your KiwiSaver with a Self-Managed Approach

Are you an experienced investor or someone who wants more control over your retirement savings? A Self-Managed KiwiSaver, DIY KiwiSaver, or Open Architecture KiwiSaver could be the solution you've been searching for. These schemes empower you to tailor your portfolio to your unique investment preferences, offering unparalleled flexibility and the freedom to self-select your investments for a more hands-on approach to your financial future.

Why Choose the KiwiWRAP KiwiSaver Scheme?
The KiwiWRAP KiwiSaver Scheme is specifically designed for sophisticated investors who value choice and autonomy. To join, you’ll need a minimum initial transfer balance of $50,000 and must retain the services of a professional financial adviser accredited by Consilium. With no preset caps on securities and the ability to choose from over 400 securities, this scheme is ideal for those in the top marginal tax bracket seeking maximum flexibility and control.

Ready to Take the Next Step?
Visit our CompoundPro page for more information.

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