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KiwiSaver & Investments

Whatever your goals, investment experience or financial situation, ANZ has investment options for you.

Our responsible investing approach

Learn more about our responsible investing framework, including environmental, social, and governance considerations.

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Explore your options


KiwiSaver is a way to save for your retirement – and it can also help you buy your first home.

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How it works

  • Contributions generally come directly from your before-tax pay to your KiwiSaver account. Your employer generally contributes as well.
  • You can make your own additional contributions anytime.
  • You may also receive Government contributions.
  • Your money is invested for you in a wide range of assets, depending on the fund you choose.
  • Your money is generally locked in until you’re 65 (you may be able to withdraw early, for example to buy your first home).

ANZ Investment Funds

A range of funds to help meet your savings goals. It’s a flexible way to invest in a wide range of local and international markets.

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How it works

  • You can invest as little or as much as you like, there’s no minimum amount.
  • You can request to withdraw some or all of your money whenever you likedisclaimer.
  • Your money is invested for you in a wide range of assets in local and international markets.
  • Flexible investment option to help with savings goals like children’s education, a house deposit or renovation.
  • Works well alongside other savings and investments such as KiwiSaver.

Term Deposits

A straightforward investment with a fixed return for a term of your choice.


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How it works

  • You can invest any amount from $10,000.
  • You choose how long you want to invest – from 30 days to five years.
  • The interest rate is fixed for the term you choose, so you know exactly what your return will be.

Free financial advice

If you need help choosing the right investment option for you, talk to one of our financial advisers. They can provide free advice tailored to your individual situation.


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This material is for information purposes only. We recommend seeking financial advice about your situation and goals before getting a financial product. To talk to one of our team at ANZ, please call 0800 736 034, or for more information about ANZ’s financial advice service or to view our financial advice provider disclosure statement see

ANZ New Zealand Investments Limited ('ANZ Invesments') is the issuer and manager of the ANZ KiwiSaver Scheme, ANZ Default KiwiSaver Scheme, ANZ Investment Funds, OneAnswer KiwiSaver Scheme, OneAnswer Multi-Asset-Class Funds and OneAnswer Single-Asset-Class Funds (together, the 'schemes')

Investments in the schemes 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.

Term deposits with ANZ are not deposits or liabilities of Australia and New Zealand Banking Group Limited. Australia and New Zealand Banking Group Limited does not stand behind or guarantee ANZ Bank New Zealand Limited.

Australian Prudential Regulatory Authority (APRA) regulates all Authorised Deposit Taking Institutions (ADI) in Australia. Australia and New Zealand Banking Group Limited is an ADI however ANZ Bank New Zealand Limited is not an ADI.

Important information, the guides and product disclosure statements for the products mentioned above are available under terms & conditions.

Once your withdrawal request is received, it will usually take up to five business days for your withdrawal to be processed and paid to your bank account. A minimum withdrawal amount of $500 per lump sum withdrawal or $100 per fund for regular withdrawals apply.