How KiwiSaver works

The basics of how KiwiSaver works, and how it can help you.

Three great reasons to join KiwiSaver

KiwiSaver is an easy way to help you save for your future – and it has a range of benefits that make it even more worthwhile.

What makes up your KiwiSaver balance?

Your contributions   +/- returns   - fees   +/- taxes   =   your KiwiSaver account


When you can withdraw your savings

You can withdraw your savings from your KiwiSaver account.


When you reach age 65

You can usually begin withdrawing your savings when you turn 65.

To buy your first home

If you’ve been a KiwiSaver member for three years and you’re buying your first home, you may be able to withdraw your savings.

If your circumstances change

You may be able to access your money early if you move overseas permanently, are experiencing significant financial hardship, or have a serious illness.

Choosing which fund to invest in

With the OneAnswer KiwiSaver Scheme, you have a range of funds to choose from. You can choose a fund by selecting from one of two options:

Why you should choose ANZ

Investment experience

Your KiwiSaver savings are looked after by some of the best investment managers in the business, with decades of experience both in New Zealand and globally. 


Hands-on approach

We’re  active managers, meaning we use our experience to monitor local and global markets and aim to select high quality investments that we believe will perform strongly over the long run. 


A focus on long-term performance

Our disciplined long-term investment approach has delivered strong returns over the long run for our members. 


A wide choice of investment options

You can choose to invest your money in a wide range of funds, from single asset classes such as international shares or New Zealand fixed interest, to diversified funds which invest in a range of different assets. We also offer a sustainable fund option.


Convenience

You can keep track of your KiwiSaver savings alongside other ANZ accounts through ANZ Internet Banking and the ANZ goMoney app.

What's next?

Read the scheme guide and product disclosure statement.

How to apply

From overseas: +64 9 356 4000

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Important information

ANZ New Zealand Investments Limited ('ANZ Investments') is the issuer and manager of the OneAnswer KiwiSaver Scheme. Important information is available under terms and conditions. Download the guide and product disclosure statement.