KiwiSaver is a voluntary, work-based savings initiative with a range of membership benefits.

When you join KiwiSaver you receive a 3% contribution from your employer if you’re contributing to it from your salary or wages. You get member tax credits of up to $521.43 every year (50 cents for every $1 you put in if you’re 18 or over).

You get a first home withdrawal option (after 3 years), where you may be able to take out all the money and investment returns (minus the original $1000 kick start) to help buy your first home. And you could get up to $10,000 as a subsidy towards your first home from the Government (conditions apply).

Let’s talk about it HERE

Understanding KiwiSaver

You can join KiwiSaver if you’re younger than 65, living or normally living in New Zealand (with some exceptions) and are a New Zealand citizen, or entitled to live in New Zealand indefinitely. 

If you’re over 18 and start a new job, you’re automatically enrolled in a default scheme (where you have up to eight weeks to decide to remain or opt out).

Even if you’re not currently working or are self-employed, you can still enjoy many of the benefits.

Research shows many of us don’t fully understand KiwiSaver (and many of us are in it and have had no advice!).

Just under half of all members are invested in cash, default and conservative assets which may not be suitable for long term retirement savings. You could be missing out on hundreds of thousands in your retirement.

KiwiSaver is potentially, your second largest asset after your house. Why not take this quick quiz to see if you know enough about your KiwiSaver?

Let’s talk about it HERE


KiwiSaver extras

Lots of people enrol in their bank’s KiwiSaver scheme but you have many more options than that. Not all schemes are created equally and it’s absolutely your right to choose the scheme that will work best for you. If you haven’t thought about it in a while – talk to us!


Free review and free quote on your KiwiSaver Account

Talk to us.

We can walk you through all your options and explain how exactly they work and the likely benefits for you. Over time, small differences can add up to big dollars – your dollars.

Dollars that give you more options for you and your family, when you reach retirement. Give us a call today.