Kiwisaver advisors are urging New Zealanders to care about where they put their retirement funds.

National Capital's latest Value for Money report finds the difference between top and bottom-performing funds can be as much as 2.55 percent, or $88,000 by the time of retirement.

Director and KiwiSaver advisor Clive Fernandes says it's import for Kiwis to consider several key factors before they determine where their retirement funds go.

"You've got to take into consideration past performance- but also look at things like fees, capability, the stability of these companies, the processes they undertake to make a decision."

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