FAQs

Compound Wealth FAQs

  • Compound Wealth is an independent KiwiSaver and investment advisory firm based in Mount Maunganui, New Zealand. We specialise in long-term investment and retirement planning, serving clients nationwide. Trusted by over 2,500 Kiwis since 2017, we’ve provided advice on more than $100 million in assets, helping New Zealanders grow their wealth through strategic investment and KiwiSaver guidance.

  • Our focus is on long-term wealth creation using evidence-based investment strategies. Led by Adam Stewart, an experienced KiwiSaver and investment adviser, we provide transparent, unbiased advice tailored to each client’s financial goals. By partnering with multiple KiwiSaver providers, we ensure objective recommendations that align with our clients’ needs and values.

    • Personalised Advice: Tailored financial plans that align with your goals, risk tolerance, and situation.

    • Technology-Driven Solutions: Advanced tools for smarter analysis and seamless client experiences.

    • True Independence: Privately owned with no ties to providers—we only recommend investments we believe in.

    • Proven Expertise: Managing over $100m for investors nationwide with over a decade of experience. We are leading the charge in KiwiSaver innovation.

    • A Long-Term Focus: Committed to helping Kiwis grow wealth sustainably through the power of compounding returns.

    • Investment Planning

    • Retirement Planning

    • KiwiSaver Advice

    • DIY KiwiSavers

KiwiSaver FAQs

    • Comprehensive KiwiSaver Advice: We provide tailored recommendations by evaluating over 30 providers and 200+ funds. Our advice ensures your KiwiSaver is optimised for your retirement, risk tolerance, and lifestyle. We have no ties to providers.

    • Compound Wealth Portfolios: We offer four tailored portfolios for your KiwiSaver strategy - Moderate, Balanced, Growth, and High Growth. Designed with an evidence based, best of class investment approach, these portfolios use top managers like Dimensional Fund Advisors, Kernel Wealth, Harbour Asset Management, Evidential Investment Funds and Russell Investments to maximise long-term growth potential.

    • DIY Option with Compound Pro: Through the KiwiWRAP KiwiSaver Scheme, Compound Pro enables sophisticated investors to select from over 400 securities, including ETFs, funds, and international stocks. This option is ideal for those seeking full control and customisability in their KiwiSaver investments.

  • KiwiSaver offers significant benefits, including employer and government contributions, compounding returns, and diversified investment options. These features help build a robust retirement fund while providing flexibility to adjust your investment as your goals and circumstances evolve.

  • KiwiSaver funds can be withdrawn for:

    • Purchasing your first home (after three years of contributions)

    • Retirement at 65

    • Financial hardship

    • Serious illness

    • Permanent emigration (excluding Australia)

    Compound Wealth guides clients through withdrawal procedures to ensure they’re well-prepared for life’s significant milestones.

  • Yes, if you have moved permanently to New Zealand, you can transfer your Australian Superannuation to KiwiSaver. This simplifies managing your retirement savings and can reduce fees. However, funds transferred from Australia retain certain restrictions, such as being ineligible for first-home withdrawals. We can guide you through this process.

  • Switching KiwiSaver providers typically takes about 10 business days.

Compound Wealth Portfolio FAQs

  • Through the KiwiWRAP Scheme, we provide four KiwiSaver portfolio options:

    1. Compound High Growth – 98% growth assets, 2% income. Designed for investors seeking significant portfolio growth over the long term. It is ideal for those who can accept the highest levels of market volatility and do not plan on spending a substantial percentage of their capital base for at least 15 years.

    2. Compound Growth – 80% growth assets, 20% income. Designed for investors targeting above-average portfolio growth. It is suited for those who can tolerate higher market volatility and do not plan on spending a substantial percentage of their capital base for at least 10 years.

    3. Compound Balanced – 60% growth asset, 40% income. Designed for investors seeking moderate portfolio growth. It is suited for those comfortable with moderate market fluctuations and who do not plan on spending a substantial percentage of their capital base for at least 7 years.

    4. Compound Moderate – 40% growth assets, 60% income. Designed for investors seeking steady portfolio growth with some tolerance for market fluctuations. It is ideal for those who do not plan on spending a substantial percentage of their capital base for at least 5 years.

    These portfolios are based on an asset class investment philosophy that favours low-cost, highly diversified funds. These portfolios are constructed for Compound Wealth by the Consilium Investment Committee and is supported by a wealth of time tested academic research.

  • Fees range from 1.12% (Moderate fund) to 1.25% (High Growth fund). These cover fund management, platform, custodial, and advisory costs, with no hidden charges.

  • Yes, through Compound Pro and the KiwiWRAP Scheme, eligible clients can self-direct their KiwiSaver investments, choosing from a wide range of securities. This option is best for experienced investors wanting to customise their portfolio.

Retirement FAQs

  • KiwiSaver offers government contributions, tax advantages, and a range of fund options tailored to your goals. Schedule a consultation with us to see how KiwiSaver fits into your overall retirement strategy.

  • This depends on factors like contribution levels, investment choices, and your retirement lifestyle. Contact us for a personalised evaluation of your KiwiSaver strategy and overall retirement goals.

  • It’s never too early, but if you’re 45 or older, now is the ideal time. Even if you’re nearing retirement, a solid plan can make a significant difference.

  • We offer tailored assessments to evaluate your savings against your retirement goals, helping you identify gaps and make necessary adjustments.

  • Contact us for a free consultation to discuss your goals and how we can help create a tailored plan.

  • We use advanced cashflow modelling software to provide live retirement scenarios. This helps you visualise your financial future and make informed decisions. We also use Monte-Carlo simulations.