*At age 65 or until you have been a member of the Scheme for five years, whichever is the later.

Assumptions for the calculator:  These calculations, as at 1 April 2009, assume an initial Government contribution of $1,000, employer contributions of 2% (excluding the self employed person and persons under 18 years of age), member contribution, and tax credits of $40 per fortnight. Salary is assumed to increase at 2.5% p.a.The investment return is assumed to be 5% p.a. after investment management and trustee fees and tax. Tax has been assumed at 30% on all earnings, making no assumptions on the portion of earnings that are assessable for tax. Administration fees are assumed to be $2 per month, increasing at 2.5% p.a. Calculations are provided for information purposes only. No liability is accepted for inaccurate or incomplete calculations. No person guarantees any returns on an investment in the ANZ KiwiSaver Scheme. Returns have been rounded to the nearest dollar. The calculations shown here are not in "today's dollars" which means the projected accumulation has not been adjusted for the effect of rising prices over time (inflation) and does not show you the buying power in today's dollars.  

A copy of the ANZ KiwiSaver Scheme Investment Statement, the Bank's General Disclosure Statement and the Bank's Disclosure Statement prepared under the Securities Markets Act 1988, is available on request from any ANZ branch, free of charge.  

Guardian Trust Superannuation Trustees Limited is the Issuer of the ANZ KiwiSaver Scheme, ING (NZ) Limited is the Administration and Investment Manager and ANZ, part of ANZ National Bank Limited is the Distributor. The ANZ KiwiSaver Scheme is distributed through and ANZ, part of ANZ National Bank Limited is the Distributor. Units in the ANZ KiwiSaver Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of any products issued or managed by them.