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?
- 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, we have a range of funds you can choose from. Or choose our Lifetimes option and have your KiwiSaver savings moved through our funds based on your age.
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.
Managing your KiwiSaver account
In the ANZ goMoney app and Internet Banking you can see your KiwiSaver balance alongside your other ANZ accounts, transfer money directly to your KiwiSaver account from any ANZ transactional account and more.
Contact us
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, the OneAnswer KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme (no longer a default scheme and closed to new members). For the scheme guides and product disclosure statements see KiwiSaver documents and forms or ask at any ANZ branch.
This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals or about our products and services. See our Financial advice provider disclosure statement (PDF 39.9KB).