KiwiSaver at 65

Jun 6, 2025

KiwiSaver at 65: What Should You Do Next?

Reaching 65 marks a key transition — from growing your retirement savings to using them wisely. It’s also the point at which your KiwiSaver account becomes fully accessible.

At this stage, your focus should shift from growth to preservation. KiwiSaver is designed to invest in growth-oriented assets like shares and property — appropriate when you’re building wealth. But at 65, it is often time to review your risk exposure and consider a more stable, income-focused strategy.

Lowering Risk, Securing Income

Many retirees leave their KiwiSaver in growth or balanced funds, unaware that the level of risk remains high. Volatility at this stage of life can be unsettling — or worse, detrimental — if your capital needs to be accessed during a market downturn.

We recommend a structured shift toward fixed income products — bonds, capital notes, and other income-generating investments — tailored to your lifestyle needs and financial goals.

Why Talk to Us?

Chris Lee & Partners are retirement specialists. We have decades of experience guiding New Zealanders through the post-65 phase, helping to protect capital and generate reliable income.

We do not manage KiwiSaver funds. Instead, we help you move beyond KiwiSaver — building a diversified investment portfolio suited to your retirement years.

If you’re turning 65, or already have, contact us to discuss your next steps. A brief discussion could significantly improve your long-term outcomes.