Planning for tomorrow
KiwiSaver
Clear guidance to help you understand your options, make informed choices, and feel confident that your KiwiSaver is working toward your future.
Why use KiwiSaver?
A simple way to build savings for your future.
KiwiSaver can help you grow long-term savings, plan for retirement, and, if eligible, support your first-home goals — with contribution options that can work around your income and lifestyle.
More choice at retirement
KiwiSaver can help you build savings over time, giving you more flexibility and confidence when you reach retirement.
Employer contributions
If you are eligible and contributing from your pay, your employer generally contributes too, helping your balance grow alongside your own savings.
Government contribution
If you meet the criteria, the government may add 25 cents for every $1 you contribute, up to $260.72 each year.
First-home support
If you meet the criteria, you may be able to use KiwiSaver savings towards the purchase of your first home.
Easy to save and invest
Contributions can come directly from your pay, and you can choose investment options that suit your goals and timeframe.
Choose your contributions
You can choose a contribution rate that suits your income and goals, including 3.5%, 4%, 6%, 8% or 10% of your pay.
KiwiSaver eligibility, withdrawal rules, contribution settings, and government contribution criteria apply. We can help you understand what may be suitable for your situation.
KiwiSaver Advice
Get the right KiwiSaver advice for where you are now.
Your KiwiSaver should reflect your goals, age, income, and future plans. A financial adviser can help you understand your options clearly, whether you are joining for the first time or reviewing your current plan.
Start with confidence
If you are new to KiwiSaver, an adviser can help you understand how it works and choose settings that suit your personal situation.
Review your current plan
If you already have KiwiSaver, your adviser can review your provider, fund type, and contribution settings to see whether they still fit your needs.
Understand your fund choice
Different funds have different levels of risk and potential return. Advice helps you choose a fund that better matches your timeframe and comfort level.
Make sense of risk
Your adviser can explain the difference between conservative, balanced, growth, and other fund options in plain language, so you can make a more informed choice.
Check your contributions
Advice can help you understand how your contribution rate may affect your savings, your budget, and your long-term goals.
Make changes with support
If a change is suitable, your adviser can guide you through the next steps, so you feel clear and supported throughout the process.
KiwiSaver settings, fund options, contribution rates, and eligibility rules can vary. Personal advice can help you understand what may be appropriate for your situation.
Contact us
If you're interested in working with us, complete the form with a few details about your project. We'll review your message and get back to you within 48 hours.