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Making the most of your KiwiSaver account

How to make your KiwiSaver savings work even harder.

Grow your balance faster

Here are some ways to get the most from your KiwiSaver savings.

Increase employee contributions

Increasing your regular contributions is an easy way to grow your KiwiSaver account.

Find out more

Take advantage of Government contributions

Make sure you get the maximum Government contribution of $521.43 each year.

Find out more

Make voluntary contributions

It's easy to make additional lump-sum or regular voluntary contributions anytime.

Find out more

If you're self-employed or not employed

You can still get the most from KiwiSaver. And if you're contributing and are eligible, you'll also get the Government contribution. Review your options

Need help?

Check if you're on track

Whatever your retirement goals may be, it's a good idea to regularly review whether you're on track to achieve them. 

Choosing the right fund for you

With the OneAnswer KiwiSaver Scheme, you have a choice of 13 funds to invest in. The fund you choose can make a big difference to the amount of money you have when you retire. You can change your fund choice anytime.

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

Choose the right tax rate

It’s important to check your Prescribed Investor Rate (PIR) annually to make sure you’re paying the right amount of tax on your KiwiSaver account.

Why is this important?

  • If you give us a PIR that’s too high, you may pay too much tax and you may not be able to claim back any overpaid tax.
  • If you give us a PIR that’s too low, you’ll likely be faced with an unexpected tax bill from Inland Revenue.

We may be notified by Inland Revenue to update your PIR if they believe it is incorrect. We are required to apply this updated PIR. However, you can provide us with a different PIR if you believe it is incorrect.

Choose the right PIR

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What's next?

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0800 736 034

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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.