Disclaimer

As at 26 June 2026. Next scheduled review 26 June 2027.

This disclaimer applies to the information on Kāhu. Please read it with our Terms of service, Privacy policy and Cookie policy.

General information, not a personalised recommendation

Most of the content on Kāhu is general information about KiwiSaver, providers and funds. It does not take account of your personal circumstances, goals or financial situation. It is not a personalised recommendation to choose, keep, switch or leave any KiwiSaver provider or fund.

We give personalised financial advice only where we say so clearly and provide the disclosure required at that stage. Until then, please treat what you read as general information to help you think things through, not as advice tailored to you.

Kāhu is operated by Financial Advice NZ Limited, a licensed financial advice provider (FSP1009051). The information here is general in nature. Personalised financial advice takes your circumstances into account and is provided subject to our full disclosure, available at [insert link]. KiwiSaver involves risk; returns are not guaranteed and past performance and reliability scores do not guarantee future results.

Past performance and reliability scores

KiwiSaver involves risk and returns are not guaranteed. Past performance is not a reliable indicator of future performance. Where we show a reliability score, it is a comparison aid made up of four sub-components and is not a recommendation in itself, nor a guarantee of future results. A score does not take your circumstances into account. Our Terms of service set out what the reliability score measures and the period it reflects.

Third party data and currency

The comparison data on Kāhu, including fees, performance and risk indicators, is sourced from third parties such as product disclosure statements, fund updates and provider disclosures. We take care to present it fairly, but it may be incomplete, delayed or out of date, and it can change after we publish it. The information shown is current only as at the date or period stated on the relevant page or comparison. You should confirm the current position with the provider and the relevant product disclosure statement before making a decision.

Consider your own circumstances

Before acting on anything you read on Kāhu, please consider whether it is right for you given your own circumstances, and read the relevant KiwiSaver product disclosure statement. If you would like advice tailored to you, you can ask us for personalised financial advice.

Our licensing and where to find full disclosure

Kāhu is operated by Financial Advice NZ Limited, a licensed financial advice provider (FSP1009051). You can confirm our status on the Financial Service Providers Register. Our full publicly available disclosure information, including the nature and scope of our advice, our fees, any conflicts of interest, and how we handle complaints, is available at [insert full disclosure link].

If something goes wrong

If you have a concern or complaint, please contact us first at [insert complaints email or link]. If we cannot resolve it, you can refer it to our approved dispute resolution scheme, [insert scheme and membership number], at no cost to you. Full details are in our Terms of service.

Reviewer note

This is a draft for human review. It is not legal advice. Please have the licensed adviser sign off before publication, and a qualified New Zealand solicitor where the reliability score wording is finalised.

Assumptions and placeholders to confirm:

Verify current financial advice disclosure requirements before publishing, as the law and FMA guidance can change.