My Kiwisaver

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My Kiwisaver, My Own Savings Scheme

KiwiSaver is a voluntary savings initiative designed to encourage New Zealanders to save for retirement.

Benefits Of Having A Kiwisaver Scheme:

A member tax credit of up to a maximum of $521 per year (the equivalent of $10 per week) for members who are over 18, residing in New Zealand, and not yet entitled to withdraw from KiwiSaver. This is paid at 50 cents for each dollar you contribute, so you need to contribute $1,042 per year (the equivalent of $20 per week) to receive the maximum amount.

3% compulsory employer contribution for members who are contributing through their jobs and who are over 18 and not yet entitled to withdraw from KiwiSaver. Some employers who are already paying into other eligible superannuation schemes may not be required to contribute to their employees accounts.

First home deposit subsidy of up to $10,000. Subject to eligibility. Kāinga Ora - Homes and Communities administers this grant.

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Who Can I Join?

New employees are automatically enrolled in a KiwiSaver scheme by their employer and have up to eight weeks to opt out.

Other employees can opt to join through their employer or by signing up with the best KiwiSaver provider for their needs.

People who are self-employed or not employed can join by signing up with a provider directly.

Children can join too. Parents or legal guardians can also sign their children up to KiwiSaver for kids directly with a provider.

To join KiwiSaver you must be a New Zealand citizen or entitled to live in New Zealand indefinitely, and living or normally living in New Zealand. You must also be under 65 years old.


You do not need to be working to join and benefit from Kiwi Saver, You can choose from different KiwiSaver providers and change your provider at any time.

How Much Do I Need To Contribute?

Members who are employees will contribute at the minimum contribution rate of 3% or at a rate of 4% or 8% of their salary. Once you have been a member for 12 months you can apply to go on a contributions holiday. If you go on a contributions holiday you are no longer entitled to the compulsory employer contribution.


Members who are self-employed or not employed can choose how much and how often they contribute.

When Can I Get My Kiwisaver Funds?

Savings in KiwiSaver accounts can’t be withdrawn until you reach the age of eligibility for NZ Super which is currently 65 or, if you joined after you turned 60, once you have been in KiwiSaver five years.


If you are going to buy your first home, you may withdraw some of your savings to put towards it. If you have owned a home before you may still be eligible to withdraw your savings in some circumstances.


Don’t hesitate on contacting us to choose the best performing KiwiSaver. We are here to help.