KiwiSaver, an investment like no other.


KiwiSaver is a voluntary, work-based savings initiative, created by the Government to help New Zealanders prepare financially for retirement. KiwiSaver is designed to be hassle-free, so it’s easy to keep up a regular savings habit. KiwiSaver is also one of the best ways to realise home ownership.

We’ll help you set up your KiwiSaver correctly, ensuring it’s invested in the right fund to maximise your returns. When it’s time to buy your first home, and you qualify, we’ll help you with the HomeStart Grant and withdrawal application forms too – it’s all part of the service!

KiwiSaver calculator

See what your future KiwiSaver fund could
be worth


KiwiSaver first home withdrawal

If you’ve been a member of KiwiSaver for at least three years you may be eligible to withdraw the contributions you and your employer have made, along with the Government Member Tax Credit contributions and any investment returns.

You can’t withdraw any amounts transferred from an Australian complying superannuation scheme, and you can’t withdraw the $1,000 Kick-start from when you started your KiwiSaver fund.


KiwiSaver HomeStart grant

If you’ve been regularly contributing to KiwiSaver for at least 3 years and are buying an existing home, you may be eligible for $1,000 for each year you’ve been contributing – up to a maximum of $5,000. If you’re buying a house with a friend or a partner and you both qualify for the HomeStart grant, you could get up to $10,000.

If you’re buying a newly built home or a planning to build, you may be eligible for $2,000 for each year you’ve been contributing – up to a maximum of $10,000 per person.


Government and employer contributions

As well as your contributions of 3%, 4%, or 8% of gross income, your employer is required to put in a further 3% minimum.

For every $1 you put into your KiwiSaver, the Government will put in 50 cents, up to a maximum of $521.43 per year.

Plus, you’ll have KiwiSaver investment experts investing and growing your money for you.


Fund types

Conservative Funds – Suitable for those who are cautious investors, planning to buy their first home in the next few years or are close to retirement (0-5 years).

Growth Funds – Suitable for medium to long-term (5-10 years) investors who are prepared to accept more volatility with the potential of higher returns in the long run.

Aggressive Funds – Suitable for long-term investors (10+ years) who are prepared to accept a higher level of volatility for the potential of much higher returns in the long run.


Australian super transfer

If you have savings in an Australian superannuation fund but now live permanently in New Zealand, you can transfer your account balance to your KiwiSaver.

Your Australian superannuation savings will be converted to New Zealand dollars at the exchange rate on the day your money enters New Zealand.

The transfer won’t cause any entry or exit taxes, and you won’t get charged a fee.

Kiwisaver advice

Getting started is easier than you think.

Talk to a KiwiSaver expert

Call us on 0800 021 337 8.30am – 8.00pm Monday to Friday

KiwiSaver calculator

What could your KiwiSaver balance be worth at retirement?

View assumptions

The 5 year returns shown are the average for each fund type per annum (p.a.) from Fundfinder 01/04/11 to 30/06/16. Defensive 2.94%, Conservative 5.25%, Balanced 6.92% and Growth 7.65% p.a. The 5 year average returns are used for illustrative purposes only and during this time period there has been a bull market in equities so these returns may be higher than usual. Assumptions are that you remain employed and contributing 3% p.a. of your before tax pay or self-employed contributing continuously until you reach retirement at age 65. If employed your starting balance is assumed to be $12,500 and your salary is assumed to grow by 3% p.a. Your employer puts in 3% p.a. less Employer Superannuation Contribution Tax. If self-employed you begin contributing ($20 p.w.) $1,042.86 p.a. which is assumed to increase by 3% p.a. Inflation is assumed to average 2% p.a. The table above does not reflect the prospective performance of any Fund. The returns are subject to investment and other risks (including potential losses). No returns are guaranteed or assured, and returns can at times be negative, particularly given the length of the investment period shown in the illustration. Past performance is not necessarily an indicator of future performance and returns over different periods may differ.

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