What should I do after joining the Smart KiwiSaver Scheme?
Once your account is set up, there are a few things worth checking.
1. Check your details
Make sure your contact information is up to date so you don't miss important communications about your account. In the Smart Member Portal you can update your contact details and tax details. To update your email and phone number, please contact our team on 0800 80 87 80.
2. Check your PIR (how you are taxed)
Your Prescribed Investor Rate (PIR) determines how your investment income is taxed. Having the correct PIR helps ensure you're paying the right amount of tax. In the Smart Member Portal you can update your PIR. To work out your PIR, go to ird.govt.nz
3. Check your fund
It's worth taking a few minutes to check whether your investment option matches your goals, timeframe and comfort with investment risk.
Life changes, and so can your fund. The Smart KiwiSaver Scheme offers a range of diversified funds, the flexibility to build your own portfolio with My Mix, or the convenience of Smart Steps, which automatically adjusts your investment mix as you get older.
There are no switching fees, and you can change at any time. You can work out which fund is right for you at any time using our Fund Finder tool.
4. Decide whether you want to contribute more (optional)
The default contribution rate for KiwiSaver is 3.5%. You can choose to contribute more - 4%, 6%, 8% or 10%.
In the Smart Member Portal you can update your contribution rate. You can also make extra one-off or regular contributions at any time. Even relatively small amounts can add up over a long investment timeframe.
If you'd like to make extra voluntary contributions into your Smart KiwiSaver Scheme account, please log in to your banking app and select Smart KiwiSaver Scheme as the payee, or pay into the following bank account:
Bank Account Number: 12-3244-0061196-00
Bank Account Name: Public Trust ASF Smart KiwiSaver Scheme
Please include your account number and surname.