Switch your KiwiSaver
Switch to a KiwiSaver fund that actually fits you.
Switching is free, takes minutes to start, and we do the heavy lifting — Kāhu helps you compare the whole market and handles the paperwork, so you can choose the fund that fits and we take care of the rest.
Most people are in the wrong KiwiSaver fund and never know it.
Switching is free and there's no penalty or lock-in. The cost is usually in staying put. Here's what's quietly working against a fund you've never reviewed.
You could be paying more in fees than you need to
Fees come out of your balance every year, whether your fund does well or not. Over decades, even a small difference in the annual charge can quietly add up to a meaningful chunk of your retirement.
Your fund may not match your goal or timeframe
A conservative fund can hold back long-term growth; a high-growth fund can be a rough ride if you need the money soon. The right risk level depends on you, not on whatever fund you were signed up to.
You were probably placed in a default fund
Many Kiwis were auto-enrolled into a provider's default fund and never changed it. It was never chosen to fit your goals — it was simply the starting point.
A selection engine, not another comparison table.
Most tools hand you a spreadsheet and wish you luck. Kāhu does the scanning and the shortlisting for you, in three steps.
Tell us your goal
Share what you're saving for and a few quick details. No fund jargon required — start with what matters to you.
Compare the market
Kāhu shows you how funds across the market compare on performance, fees, and risk, so you can choose one that suits your goal and timeframe. The choice stays yours.
We handle the switch
We take care of the paperwork with the new provider and keep you updated. There's nothing to pay, and you can change your mind any time before it completes.
Licensed Financial Advice Provider
Switching sounds harder than it is.
The fear of getting it wrong keeps most people in a fund they never chose. Here's exactly what happens — and what doesn't — when you switch with Kāhu.
Your money stays invested
Switching moves your existing balance and future contributions into the new fund. You're not cashing out, and there's no penalty or lock-in for changing funds.
Clear information, from a licensed provider
Kāhu is part of Financial Advice NZ Limited (FSP1009051), a licensed Financial Advice Provider. We give you clear, independent information on how funds compare — we don't give personalised advice or tell you which fund to pick.
It's free, with nothing to pay Kāhu
Comparing funds and getting help to switch costs you nothing. We don't sell KiwiSaver products, so there's no provider pushing its own fund behind the scenes.
It's quick, and you can change your mind
We handle the paperwork with the new provider, and a switch usually takes about 2 to 3 weeks. You can stop any time before it completes.
Independent information you can actually trust.
Kāhu is built by Financial Advice NZ Limited, a licensed Financial Advice Provider. We compare every fund on the same evidence — performance, fees, risk, and fit — so the shortlist reflects your goals, not a provider's marketing budget.
300+
KiwiSaver funds tracked
100%
of the market, in one place
$0
to compare and shortlist
FSP1009051
Licensed Financial Advice Provider
Information only
Kāhu is an information-only service. We help you compare 300+ KiwiSaver funds on performance, fees, and risk so you can make your own decision. We don't provide personalised financial advice or recommend a specific fund for your situation. For advice tailored to your circumstances, speak with a licensed financial adviser.
Switching your KiwiSaver: the honest answers
The questions people ask before they move — covered plainly, by a licensed Financial Advice Provider.
Is switching my KiwiSaver fund free?
Yes. There's no fee, penalty, or lock-in for switching KiwiSaver funds, and Kāhu doesn't charge you to help. Kāhu is operated by Financial Advice NZ Limited (FSP1009051) and doesn't sell its own KiwiSaver funds, so there's no product being pushed behind the scenes.
Will I lose money if I switch KiwiSaver funds?
Switching doesn't cash out your savings — your existing balance and future contributions move into the new fund and stay invested. As with any investment, fund values still rise and fall with markets, and past performance is not a guide to future returns.
How long does it take to switch?
A KiwiSaver switch usually takes around 2 to 3 weeks once your request is confirmed. Kāhu handles the paperwork with the new provider and keeps you updated, and you can change your mind any time before it completes.
Does Kāhu actually do the switch for me?
Kāhu guides you through the switch and handles the paperwork with the new provider. We give you clear, independent information so you can choose the fund yourself — Kāhu is an information-only service and doesn't give personalised advice. The switch itself is completed with your chosen provider, and Kāhu doesn't hold your money.
Can I switch if I'm saving for a first home?
Yes. You can change funds at any time, including while saving toward a first-home withdrawal. The right fund depends on how soon you plan to buy, since a shorter timeframe usually means less tolerance for big ups and downs. You can use Kāhu to compare funds suited to that timeframe and decide for yourself.
Do I have to choose a fund before I start?
No. You can start a general switch enquiry without picking a fund first. Tell us your goal and a few details, and the Kāhu team will help you compare the market so you can choose a fund that fits before anything moves.
Ready to be in a fund that fits?
Start your switch in a couple of minutes. Free, no obligation, and supported with clear information from a licensed Financial Advice Provider (Financial Advice NZ Ltd, FSP1009051).