Using KiwiSaver for retirement

Your KiwiSaver account doesn’t need to retire at 65. Turning 65 means you get more options on how you use it.

Explore your options and start thinking about the retirement you want.

Wherever you are, start here

Whether you're planning ahead, turning 65 soon, or already retired, here's what you need to know about your KiwiSaver account.

Find out how much you’ll need between KiwiSaver and other savings to support the life you want after 65.

Learn about your withdrawal options, when you can access your money and the different ways you can use it.

Learn about keeping your KiwiSaver savings invested if you don't need your money straight away.

A few things change once you turn 65, but your KiwiSaver savings don't stop.

You can access your KiwiSaver savings when you choose.
You’re no longer eligible for government contributions.
Employers are no longer required to contribute, although some choose to continue.
You can keep contributing if you want to.
You can leave some or all your money invested for as long as you like.

The biggest decision isn't what happens to your KiwiSaver account. It's what you want it to do for you.