What are the benefits of KiwiSaver?
KiwiSaver brings together regular saving and long-term investing to help you build savings for retirement.
Depending on your circumstances, benefits can include:
Employer contributions, if you're eligible and employed.
Government contributions, if you meet the eligibility criteria and contribute each year.*
Potential long-term investment growth, as your savings are invested.
Help with your first home deposit, if you're eligible, after at least three years of membership.
A simple way to save, with contributions made automatically from your pay or directly from your bank account.
Like any investment, KiwiSaver balances will go up and down as markets move. That's normal. KiwiSaver is designed for long-term investing, where staying invested has historically been more rewarding than reacting to short-term market movements.
The earlier you start, the longer your money has the opportunity to grow.
Learn more about getting started with KiwiSaver
*Government contributions are available to members who live mainly in New Zealand and are aged 16-64, and had an income of $180,000 or less for the year. You can receive 25 cents for each $1 you contribute up to a maximum government contribution of $260.72 each year. If you join KiwiSaver, turn 16, or reach age 65 part-way through the year, the amount you can receive is adjusted based on how many days you were eligible.