KiwiSaver

Your financial freedom

The KiwiSaver program is a work-based retirement savings program. You contribute to KiwiSaver, but the government also gives you benefits. You'll build retirement wealth with government and employer contributions. Take charge of your financial future by participating.

Choose a KiwiSaver scheme that fits your needs. There are lots of KiwiSaver schemes, and you can only invest in one. We work with a KiwiSaver provider that has several attributes that attract discerning investors.

Why should I join KiwiSaver?

Contributions from the government 
Government contributions (formerly known as Member Tax Credits) can be up to $521.43 per year. For the full amount, you need to be 18 or over and under the Qualifying Age (currently 65), contribute $20 per week (or at least $1,040 per year), and meet other requirements. 

Contributions by employers 
Employed Kiwis: Along with your contributions, your employer generally contributes 3% (less tax) of your pay directly into KiwiSaver. 

Self-employed or unemployed New Zealanders 
You will need to decide how much you want to contribute. You may qualify for the government contribution if you contribute about $20 a week (or $1,040 a year). 

Contributions by employees 
If you're employed, KiwiSaver contributions will be deducted from your pay. Contribution rates are 3%, 4%, 6%, 8% or 10%. 

First home buyer’s support 
KiwiSaver funds may be withdrawn for the purpose of buying a first home if you qualify. To help you with your purchase, you may also qualify for a one-off payment from the government. 

Savings suspension 
When you're an employee, you can pause your KiwiSaver savings by applying for a 'savings suspension'. You can usually suspend your savings after one year. Savings suspensions can last up to 12 months, and you can suspend them as many times as you like.

KiwiSaver: Who's eligible?

Whether you're employed, self-employed, or unemployed, you can join KiwiSaver if you: 

  • You're a New Zealand citizen or you have indefinite residency in New Zealand 
  • Live in New Zealand (with some exceptions) 
  • Haven't reached the New Zealand Superannuation eligibility age (currently 65) 

From 1st July 2019, you no longer need to be under the age of eligibility for New Zealand Superannuation (currently 65) to join KiwiSaver, so long as you meet the other eligibility criteria above.

KiwiSaver has benefits from day one. You can build retirement wealth sooner if you start early.

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