Investments

Fernline Wealth at 65

Where this account could land by 65 under assumed return bands. Change the controls to see a what-if — estimates on the modelled account, not a promise.

Adjusting scenarios is available with a free account.

Low band

$721,150

Mid band

$1,124,180

High band

$1,781,765

Projected over 30 years · Low, mid and high are assumed return bands, not forecasts — actual returns vary and may be negative.

• These figures are estimates under the stated assumptions, not guarantees or financial advice
• Returns use long-run nominal return assumption bands, before fees: 3.5% / 5.5% / 7.5% p.a. (low/mid/high) for a balanced fund, less a 0.5% annual fee
• Projections are not guarantees; markets vary and actual returns will differ year to year
• Projection runs 30 whole years from today (65 minus your age); your exact birth date is not modelled
• Compulsory employer contribution follows the legislated schedule: 3.5% currently, then 4% from 1 April 2028 (Budget 2025)
• Legislated employer-rate steps are applied from the first projection year beginning on or after their effective date — up to a year late, which understates rather than overstates contributions
• ESCT is deducted from employer contributions using the IRD rate bands applied to the current-year salary plus employer contributions (IRD uses the previous year's figures — a simplification)
• Government contribution of 25 cents per $1 of employee contributions, capped at $260.72 per year and unavailable above $180,000 annual income; first-year pro-rated eligibility is ignored, and accounts for members under 18 are not modelled
• Salary held constant over the projection
• Contributions are assumed to be invested evenly through each year, so the year's contributions earn half a year of returns; the government contribution is actually paid annually in arrears, so its growth is slightly overstated
• Contributions are based on your recorded gross salary of $130,000 a year; other income types don't earn KiwiSaver contributions

What could my investments grow to?

A lump sum and/or a monthly contribution, compounded monthly across three assumed return bands. Estimates, not a promise.

Adjusting scenarios is available with a free account.

• These figures are estimates under the stated assumptions, not guarantees or financial advice
• Return bands of 2% (low), 5% (mid) and 8% (high) p.a. are assumed nominal annual returns, not forecasts
• This is not a forecast — actual returns vary and may be negative
• Tax and fees are not modelled — actual after-tax, after-fee outcomes will be lower
• Contributions are assumed to be made at the end of each month, with returns compounding monthly