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KiwiSaver basics

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.

You get contributions from the Government

If you’re eligible, the Government will contribute 50 cents for every $1 you contribute, up to a maximum of $521.43 every year.

Learn more about Government contributions

You get contributions from your employer

If you’re employed and contributing from your pay, your employer generally has to contribute at least 3% of your before-tax pay into your KiwiSaver account.

Learn more about contribution options

It can help you buy your first home

You may be able to withdraw money from your KiwiSaver account to put towards your first home. You may also be eligible for a First Home grant to help you buy or build your first home.

Learn more about buying your first home with KiwiSaver

What makes up your KiwiSaver balance?

What makes up your KiwiSaver balance
Your contributions + Your employer’s contributions + Government contributions +/- Returns - Fees -/+ Taxes = your KiwiSaver account
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When can you 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. Find out more.

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. Find out more.

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. Find out more.

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:

Selecting our Lifetimes option

With our Lifetimes option, you don’t need to do anything – your money is automatically invested in a fund that is considered appropriate for an average person of your age.

Find out more about the Lifetimes option

Selecting from our 13 funds yourself

This is a good option for hands-on investors, or for people who are looking to use their savings to buy their first home in the near future.

Find out more about our funds

Why choose ANZ?

Proven investment knowledge and expertise

Your money is looked after by our highly experienced investment management team – one of the best in the business.

We never stop working for you

Our active approach to investing means we monitor local and global markets to identify what we believe are the best opportunities to optimise your investment.

Convenience and control

It’s easy to join and you can track and manage your KiwiSaver savings and other ANZ accounts online, anytime, anywhere – all through ANZ Internet Banking and goMoney.


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What's next?

Apply today

Read the guide and product disclosure statement

Complete and return the application form


Call us

0800 736 034

Weekdays, 8am - 6pm


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