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Options when you’re self-employed or not employed

KiwiSaver is for everyone, not just for employees.

Your contribution options

If you’re self-employed and receive payments that you don’t deduct PAYE from, or you are not currently employed, you can decide how much you contribute to KiwiSaver each year and how and when to make your contributions.

For members of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme, setting up regular contributions by direct debit is simple – either complete and return a direct debit form or give us a call on 0800 736 034.

Alternatively you can make a lump sum contribution using online banking, phone banking or by cheque, or you can visit your local ANZ Branch. Find out more about voluntary contribution options.

Please note that if you work for yourself in your own business and receive payments from your business that you need to deduct PAYE from, you’ll need to make employee and employer contributions for yourself under the KiwiSaver rules, just as you would for any other employee.  This means at a 3% employee contribution rate, you will contribute 6% of your before-tax pay (made up of a 3% employee contribution and a 3% employer contribution).

Government contributions

Make the most of the annual Government contribution

You don’t have to be working to make the most of KiwiSaver. Just like employed and self-employed members, the more you contribute, the more likely you are to get the maximum Government contribution.

If you meet the eligibility criteria, you might like to consider contributing at least $1,042.86 from 1 July to 30 June. It's a good idea to ensure you have contributed enough before 30 June each year, as your payment must reach our bank account by 30 June. That way, you’ll get the maximum Government contribution of $521.43 to your KiwiSaver account each year.

If you’re an employee, check out your options.

For further information, please see the relevant guide and product disclosure statement:

The guide and product disclosure statements are available by calling 0800 736 034. The ANZ KiwiSaver Scheme guide and product disclosure statement are also available from any ANZ branch.

Issuer and manager: ANZ New Zealand Investments Limited (‘ANZ Investments’) is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme.

Investments are not deposits in ANZ Group: Investments in the ANZ KiwiSaver Scheme or the ANZ Default KiwiSaver Scheme are not deposits in ANZ Bank New Zealand Limited,  Australia and New Zealand Banking Group Limited, or their subsidiaries (together 'ANZ Group'), nor are they liabilities of ANZ Group. ANZ Group does not stand behind or guarantee ANZ Investments. Investments are subject to investment risk, including possible delays in repayment, and loss of income and principal invested. ANZ Group will not be liable to you for the capital value or performance of your investment.

No guarantee: Investments in the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme are not guaranteed by ANZ Group, any of its directors, or any other person.

For information only: This website has been provided for information purposes only and is subject to change. The content of this website is intended to be of a general nature and does not take into account an investor’s, or potential investor’s, financial situation, investment objectives, or risk tolerance.

Not investment advice: This website is not intended to constitute, does not constitute, and should not be construed as constituting, investment advice nor is it a substitute for commercial judgment or other professional advice. Investors, or potential investors, should: (i) conduct independent due diligence on any investments; and (ii) obtain independent investment and professional advice, including tax advice, prior to acting in reliance on this website.

For specific investors only: This website is intended for investors who understand the investment risks referred to on it. Some, or all, of the investments mentioned on this website may not be suitable for certain investors. Investors, or potential investors, should consider whether: (i) an investment is appropriate for their risk profile; and (ii) they will meet the suitability requirements relating to those types of investments.

Speak to a financial adviser: This website is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult a financial adviser, please call us on 0800 269 238 and we will provide you with the contact details for a financial adviser in your area. A financial adviser will, on request and free of charge, provide you with his or her disclosure statement prepared under the Financial Advisers Act 2008.

Past performance: Past performance does not indicate future performance. The actual performance any given investor realises will depend on many things, is not guaranteed and may be negative as well as positive.

How performance is calculated: Except for in the quarterly KiwiSaver fund updates (in which investment performance is calculated after fees and at a 28% prescribed investor rate), performance is after annual fund charges, and before tax and membership fees. The funds in respect of products mentioned on this website are portfolio investment entities (PIEs). Performance for funds operating before they became PIEs on 1 October 2007 has been recalculated to be on the same (pre-tax) basis. Returns for all periods longer than 1 year are annualised.

Unit prices: The unit price is calculated in accordance with the applicable governing document (each as amended, added to or replaced) for the ANZ KiwiSaver Scheme and ANZ Default KiwiSaver Scheme. The actual unit price that applies at the time a transaction request is received and accepted may differ from the unit price shown.