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  2. Your KiwiSaver FAQs

I don’t have enough funds to purchase a first home with KiwiSaver, what are my options?

We recommend using our Future You tool to help assess your personal situation and risk appetite.

If you plan to buy a home within the next 12 months, it may be worth considering your risk appetite. Moving your funds to a lower risk fund (like Cash) may be an option to reduce any further significant loss.

Our Future You tool, available to every member of the Kiwi Wealth KiwiSaver Scheme, can help you assess your personal situation and risk appetite.  

Markets do go up again though, so if you plan to buy your first home at a later point, it’s always a good time to review your risk appetite and timeframe and adjust your fund, and even contribution levels, accordingly.