KiwiSaver and investments

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

Explore your options


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

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.

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 like.
  • 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.

ANZ Term Deposits

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

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.

Other options

Free investment advice

The future is bright when you feel confident about your investment choices. If you need help choosing the right investment option for you, talk to one of our ANZ Investment Advisers. They can provide free advice tailored to your individual situation.

Take the first step today – call us for a free, no-obligation chat with one of our qualified Investment Advisers on 0800 269 238. See ANZ’s financial advice provider disclosure

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Important information

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 Investments) 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 and conditions.