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.


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.

Are you on track for retirement?

Use our easy online KiwiSaver calculator

  • How much you may have when you retire.
  • How much you’ll need for the retirement lifestyle you want.
  • What you can do if there’s a gap.

Choosing the right fund for you

With each of the ANZ-managed KiwiSaver schemes, you have a choice of six 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:

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 your PIR is too high, any tax over-withheld will be used to reduce any income tax liability you may have for the tax year and any remaining amount will be refunded to you. Inland Revenue will notify you if you're due a refund.
  • If your PIR is too low, you’ll be required to pay any tax shortfall as part of the income tax year-end process.

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.


From overseas: +64 9 356 4000

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Important information

ANZ New Zealand Investments Limited ('ANZ Investments') is the issuer and manager of the ANZ KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme (together, the 'schemes'). Important information is available under terms and conditions. Download the guide and product disclosure statement.

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