A common-sense KiwiSaver scheme

How uncommon.

Choosing a KiwiSaver scheme can feel complicated. We keep things simple.

Clear investment choices, helpful tools and an approach built on proven investment principles.

Join us

Why choose Smart?

Join over 90,000 New Zealanders choosing a common-sense approach to KiwiSaver.

More choice. More control.

Choose a ready-made diversified fund, build your own mix from over 40 funds, or let Smart Steps adjust as you get older.

Trusted by Kiwis for over 30 years

We've been helping New Zealanders invest since 1996, and we’re one of New Zealand’s government-appointed KiwiSaver default providers.

Built on common-sense investing

Stay invested. Diversify broadly. Keep fees low. Common-sense principles for the long term. And lower fees means more of your money stays invested.

Smart ways to invest

More choice, without the complexity because no single investment option suits everyone. Choose how you want your KiwiSaver savings invested.

Diversified Funds

Five ready-made funds. One simple way to invest.

Choose from five ready-made funds that invest across New Zealand and global shares, bonds and other assets.

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Build your own with My Mix

For people who want more control of their KiwiSaver portfolio.

Choose from more than 40 investment options. Choose one or combine several to make it your own mix.

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Smart Steps

An investment that evolves with you.

Smart Steps lets you set and forget by automatically adjusting the investment mix as you get older.

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Joining us is simple

1. Apply online

Complete your application in a few minutes.

2. We'll arrange the transfer

If you’re switching from another KiwiSaver scheme, we’ll take care of the transfer.

3. Keep track online

Manage your KiwiSaver account through the Smart Member Portal and Smart Invest NZ app.

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Help me choose

Your fund choice depends on your goals, how long you're investing for and how comfortable you are with market ups and downs.

You don't need to be an investment expert. Our Fund Finder asks a few simple questions to help find a fund to suit you.

Find my fund

Your KiwiSaver account in your pocket

The Smart Invest NZ app puts your KiwiSaver account in one place. View your funds, balance and how it’s tracking.

Feel like adding a little extra? You’ll find the top-up details here too.

Meet the app

KiwiSaver at different stages of life

Your plans can change what you need from your KiwiSaver savings.

Buying your first home

KiwiSaver isn't just for retirement.

You may be able to use most of your KiwiSaver savings towards your first home.

KiwiSaver for first home

Getting closer to 65

As retirement gets closer, the questions tend to change.

Understand your options, what happens at 65, and what to think about next.

KiwiSaver for 65

Ready to join?

Join over 90,000 New Zealanders who trust Smart with their KiwiSaver savings.

Join Smart KiwiSaver Scheme

More to explore

Your KiwiSaver needs can change as life does. Find straightforward information and tools to help with your next decision.

Guide to KiwiSaver

Guides, tools and answers for every stage of the KiwiSaver journey.

Explore the KiwiSaver guide

KiwiSaver Calculator

See how your KiwiSaver savings could grow.

Calculate

KiwiSaver performance

Compare the performance and fees for each fund.

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