Why stay invested after 65?
Retirement could last several decades. If you don’t need all your KiwiSaver now, some of it could stay invested well into retirement. That gives your money more time to grow.
Use some and keep the rest invested
When it comes to withdrawing your KiwiSaver savings, it's not all or nothing. You can use your savings gradually while leaving the rest invested.
Set up regular withdrawals
Choose how much you want to receive and how often. The rest will stay invested.
Withdraw when you need to
Take out some of your KiwiSaver savings when you need it and leave the rest invested.
Balance what you need now with what you need later
Some money may need to be ready for spending soon. Some may not be touched for years. The trick is treating those two jobs differently. Understand what shapes that balance:
Growth
Keeping some of your KiwiSaver savings invested gives it more time to grow.
Income
How much income you’ll need from your KiwiSaver savings can affect how much you leave invested.
Stability
For money you expect to draw on regularly or soon, protecting what you’ve built up may matter more.
Common questions
Explore common questions people ask about keeping KiwiSaver savings invested after 65.
Yes, you can keep your KiwiSaver savings invested for as long as would like.
Retirement looks different for everyone, and a quick chat can help you feel more confident about your next steps. Fill out our contact form and we will get in touch with you.
Your KiwiSaver balance can go down as well as up. A market fall may have a greater effect if you need to withdraw money before your balance has time to recover.
Consider when you expect to use your savings, how much you plan to withdraw and whether your current fund still suits that timeframe.
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