Skip to main contentSkip to log on

KiwiSaver and investments

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

Changes to PIR income thresholds

From 1 April 2025, the income thresholds for determining your Prescribed Investor Rate (PIR) have changed. To see if your PIR has changed, see Choosing the right Prescribed Investor Rate.

Explore your options

KiwiSaver

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 KiwiSaver

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 Investment Funds

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.
ANZ Term Deposits

Other options

Private Bank
Sharemarket investing
Savings accounts
OneAnswer investment products

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. 

Investment advice

You might be interested in

News and views

Stay up to date with news, commentary and insights on different aspects of investing, KiwiSaver and more.

News and views

Market review

A review of how investment markets have performed over the last quarter.

Market review

Case studies

Everyone’s situation is different. Here are some scenarios exploring how different people can use KiwiSaver and Investment Funds to help achieve their goals.

Case studies

Important information

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'). For details, including the relevant guides and product disclosure statements, see the below links:

  • For the ANZ KiwiSaver Scheme, ANZ Default KiwiSaver Scheme and ANZ Investment Funds, see Rates, fees and agreements
  • For OneAnswer KiwiSaver Scheme, OneAnswer Multi-Asset-Class Funds and OneAnswer Single-Asset-Class Funds, see Important Information.

ANZ Investments is not an authorised deposit-taking institution under Australian law and investments in the schemes are not deposits in or liabilities of ANZ Bank New Zealand Limited, Australia and New Zealand Banking Group Limited or their subsidiaries (together ‘ANZ Group’). ANZ Group does not stand behind or guarantee ANZ Investments. Investments in the schemes 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. 

For important information about term deposits see Term deposit and term investments rates and fees.

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. ANZ New Zealand Investments Limited is also not an ADI.

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.co.nz/fapdisclosure