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What To Do When Your KiwiSaver Drops Before Buying A Home

Your KiwiSaver balance is meant to help you build a future, so why does it feel like it’s working against you right when you need it most? When markets wobble and global news turns ugly, we hear the same fear from first home buyers across New Zealand: “I’m buying soon and my KiwiSaver is tanking, what do I do?” We’re not giving financial advice, but we are sharing the real-world decisions and timelines we’re seeing, plus the questions to ask so you can move from stress to a plan.

We break KiwiSaver members into three simple groups based on time horizon: the red-light crew who need KiwiSaver…

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