Take Control
of Your KiwiSaver
Smarter KiwiSaver Strategies for a Stronger Financial Future
Get the most from your investment.
Your KiwiSaver is more than just a savings scheme, it’s an investment and will perform far better with intentional strategy.
It’s a way to grow your long-term wealth. You can access government and employer contributions, and it may help you on your path to homeownership.
Navigating your options can feel complex, given the wide range of providers and fund types available. That’s where we come in. We aim to simplify your decision-making by guiding you through the funds that best reflect your goals and risk profile.
KiwiSaver offers a range of benefits designed to support your financial future:
Government Contributions
If you contribute a minimum of $1,042.86 annually, the government will contribute up to $260.72 each year, helping accelerate your savings.
Employer Contributions
Most employers require you to contribute at least 3.5% of your salary, which is a valuable addition to your investment.
Investment Options
You can choose from different funds based on your risk level and financial goals. These range from conservative to high-growth options.
Frequently Asked Questions
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Yes. Employee contributions are calculated on your before-tax pay. However, you still pay tax on the full amount that you earn. Employer contributions are taxed before entering your account, and investment earnings are taxed at your Prescribed Investor Rate (PIR).
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Yes, provided you intend to build a home on that land. You can withdraw money for land-only purchases under the First Home Withdrawal rules. This is allowed if you plan to build a primary home.
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The right fund depends on your financial goals, investment timeframe, and risk tolerance. Our FactFind tool can help identify a suitable option.
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Fund types generally include:
Defensive: lowest risk, minimal returns
Conservative: low risk, stable returns
Balanced: moderate risk and return
Growth: higher risk, greater potential return
Aggressive: highest risk, highest return potential
Each fund has different asset classes: cash, bonds, equities, and property.
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No. Your entire balance is transferred to your new provider. While the process can take several weeks, your savings remain secure throughout.
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You can contribute 3.5%, 4%, 6%, 8%, or 10% of your salary. Employers are required to contribute a minimum of 3.5% unless you’re on a contributions holiday.
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You can access your entire balance at age 65. Depending on your needs, you may withdraw a lump sum, set up regular withdrawals, or leave your funds invested.
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