Future You Advice

Future You AdviceFuture You AdviceFuture You Advice
Home
About Us
Insurance
Investment
Contact Us
Insights
What Others Think
FAQ
Important Information
  • Disclosure

Future You Advice

Future You AdviceFuture You AdviceFuture You Advice
Home
About Us
Insurance
Investment
Contact Us
Insights
What Others Think
FAQ
Important Information
  • Disclosure
More
  • Home
  • About Us
  • Insurance
  • Investment
  • Contact Us
  • Insights
  • What Others Think
  • FAQ
  • Important Information
    • Disclosure
  • Home
  • About Us
  • Insurance
  • Investment
  • Contact Us
  • Insights
  • What Others Think
  • FAQ
  • Important Information
    • Disclosure

Building Your Future

Your money should be working as hard as you are.

KiwiSaver quietly shapes your future more than most people realise. The way your money is set up today can have a real impact on the choices you have later in life.


It is not just about saving, it is about whether your money is actually growing in a way that supports your goals, your plans, and the lifestyle you are working towards.


We help you take a clear look at where your money is sitting, how it is performing, and whether it still makes sense for where you are now, so your money is working in a way that actually supports the future you are building.

BOOK A CHAT

Investments

 

Investing is simply about giving your money a better place to grow than a standard savings account. It is not about being aggressive or complicated, it is about making intentional decisions with the money you have worked hard to earn.


For some people, it is about building long-term wealth over time. For others, it is about creating flexibility, security, or future opportunities like property, education, or financial independence.


We help you understand your options clearly and build an investment approach that matches your goals, comfort level, and your timeline, so your money has direction, not just somewhere to sit.

How We Help

Building Long-Term Wealth

We help you set up simple, structured investment strategies designed to grow over time. It is about consistency, clarity, and making your money work beyond a standard savings account. 

Making Better Use of Your Cash

If your money is sitting idle in low-growth accounts, we help redirect it into smarter investments that better align with your goals and timeframe.

Goal-Based Investing

Your investment should match your life plans. Whether it is property, financial security, or future flexibility, we structure your money around what you are actually working toward. 

Reviewing Performance & Fees

We look at how your investments are performing and what you are paying in fees, so you have a clear picture of whether your money is being managed efficiently. 

Is your KiwiSaver actually growing, or is it just sitting there?

For most New Zealanders, KiwiSaver is one of their biggest long-term assets, yet most accounts are left on autopilot in funds that do not match their goals. 


We provide clear, independent advice to help you take control so your money is working properly for your future.


Whether it is for your first home or your retirement, we ensure you are not leaving a massive chunk of your potential wealth on the table just by sitting in the wrong type of fund. 

How KiwiSaver Works

 

KiwiSaver is a long-term savings and investment scheme designed to help you build money over time, whether it is for your retirement or your first home.


Here is what makes it up:


  • Your contributions: A small percentage taken from your pay that goes into your KiwiSaver account.
  • Employer contributions: Your employer also adds money on top of your contributions.
  • Government contributions: Additional top-ups from the government if applicable.


All of these contributions are then invested into a chosen fund type, and this is where the growth, or lack of growth, happens over time. Your fund type matters because it determines how your money is invested, how much risk it takes on, and how it performs over the long term. Even small differences in fund choice today can make a meaningful difference later in life.

Where Is your KiwiSaver Invested?

 Your KiwiSaver is not just sitting in an account, it is invested into different types of funds that determine how your money grows over time.


These funds are made up of a mix of assets like shares, property, fixed interest, and cash. The balance between these determines your level and type of risk as well as your potential growth.

Growth Funds

Conservative Funds

Balanced Funds

Higher growth potential over the long term, with more ups and downs along the way.

Balanced Funds

Conservative Funds

Balanced Funds

A middle-ground option that aims to balance growth with stability.

Conservative Funds

Conservative Funds

Conservative Funds

More stability, but slower long-term growth.

Why The Right Fund Matters

It's Not a "Set and Forget" Decision

It's Not a "Set and Forget" Decision

It's Not a "Set and Forget" Decision

 KiwiSaver does not manage itself in the background in a neutral way. The fund you are in determines how your money is invested, how much risk it takes, and how it grows over time. 

Small Differences Make a Big Impact

It's Not a "Set and Forget" Decision

It's Not a "Set and Forget" Decision

 Two people can have the same contributions but end up with very different balances later in life, simply because they were in different types of funds or fee structures. 

Risk Needs to Match Your Life Stage

It's Not a "Set and Forget" Decision

Risk Needs to Match Your Life Stage

 Being in a fund that is too conservative can slow down growth, while being in one that is too aggressive may not suit your goals or timeline. The right balance matters. 

Your Fund Should Evolve With You

It's Not a "Set and Forget" Decision

Risk Needs to Match Your Life Stage

 What made sense when you first joined KiwiSaver may not suit you now. As life changes, your fund should be reviewed to make sure it still fits where you are headed. 

Providers We Work With

We work with a range of trusted  providers to help ensure your money is placed in options that suits your goals, risk level, and long-term plans.

Why Work With Us

Advice That Fits Real Life

Clear Guidance Without The Jargon

Clear Guidance Without The Jargon

 Your financial goals are personal, and your strategy should be too. We take the time to understand where you are now, where you want to be, and what kind of future you are trying to build. 

Clear Guidance Without The Jargon

Clear Guidance Without The Jargon

Clear Guidance Without The Jargon

 KiwiSaver can feel confusing very quickly. We keep things simple, explain everything clearly, and help you feel confident about the decisions you are making. 

Focused On Long-Term Growth

Clear Guidance Without The Jargon

Focused On Long-Term Growth

 We are not interested in quick wins or complicated strategies. Our focus is helping you build strong foundations that support long-term financial freedom, stability, and flexibility over time. 

Support That Grows With You

Clear Guidance Without The Jargon

Focused On Long-Term Growth

 Life changes, and your financial plan should be able to change with it. We help review and adjust your strategy as your goals, priorities, and circumstances evolve over time. 

Ready to begin your journey?

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Get in touch with us

021 488 636

dee@fya.co.nz 

admin@fya.co.nz 

Financial Advice Disclaimer

The information provided on this website is general in nature and does not constitute personalised financial advice. Before making any financial decisions, you should consider your individual circumstances and seek advice from a licensed financial adviser. We do not guarantee the accuracy or completeness of information provided and accept no liability for any loss arising from reliance on this content. 

  • About Us
  • Insurance
  • Investment
  • Contact Us
  • Insights
  • What Others Think
  • FAQ
  • Disclosure

Future You Advice

Copyright © 2026 Future You Advice - All Rights Reserved.

Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

Accept