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How KiwiSaver works, and how it can help you.
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
You can withdraw your savings from your KiwiSaver account:
You can usually begin withdrawing your savings when you turn 65. Find out more.
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.
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.
With each of the ANZ-managed KiwiSaver schemes, you have a choice of six funds to invest in.
You can choose a fund by selecting from one of two options:
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
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
Your money is looked after by our highly experienced investment management team – one of the best in the business.
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.
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.
It takes 5-10 minutes and you'll need your IRD number
Download the guide and product disclosure statement.
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ANZ New Zealand Investments Limited is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme. Important information is available under terms & conditions. Download the guide and product disclosure statement.