What should I do with my KiwiSaver investment at retirement?

Turning 65 doesn't mean you have to withdraw your KiwiSaver balance. You can leave some or all of it invested and choose when and how much you withdraw. 

You can: 

• make a partial withdrawal and leave some still invested. 

• set up regular withdrawals and stay invested.

• leave all of your savings invested. 

• continue contributing if you choose.

• withdraw all of your savings.  

The right approach will depend on your circumstances, including when you'll need the money and how you plan to use your KiwiSaver savings through retirement. 

If you leave money in KiwiSaver, it remains invested, so its value can continue to rise and fall with investment markets. It is a good idea to check that the fund you are in is still the right fit. 

Got questions? 

Retirement looks different for everyone, and a quick chat can help you feel more confident about your next steps.  

Get in touch with our team through our contact form.