KiwiSaver

KiwiSaver

Thinking of changing KiwiSaver schemes?

There are several reasons why you may want to change KiwiSaver schemes or providers.

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Not sure if you can still afford KiwiSaver?

The $1000 government kick start, annual tax credits and employer contributions make KiwiSaver an attractive long-term savings option.

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Sort out how to make the most of your tax cut

The first of the tax changes announced in this year’s Budget kick in from 1 October. But now is the time to think about how to make the most of that extra cash in your pocket.

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Retirement saving - now is good

With the recent introduction of new NZ Super rates and compulsory employer contributions to KiwiSaver, now is a good time to start thinking seriously about retirement saving.
 

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Get your KiwiSaver decision Sorted

One of the things on the ‘to do’ list of many New Zealand workers this year will be deciding whether or not to join KiwiSaver.

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High risk profile KiwiSaver funds - OLD

These KiwiSaver funds have a high risk profile - with more than 70% invested in growth assets (e.g. shares and property).

Glossary: risk
An investment is normally considered to be risky if there is a reasonable chance that its value will vary significantly in the future. For example, an investment in shares is more risky than an investment in a bank term deposit. The value of shares may fall below the price paid for them while the value of bank deposits generally do not. High risk investments should only be taken on with long term intentions. You would expect a high long-term return to compensate for high risk.
Glossary: shares
Shares and equities refer to the same thing - a share in the ownership of a company and entitlement to any distributions (eg dividends).
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Medium risk profile KiwiSaver funds - OLD

These KiwiSaver funds have a medium risk profile - with between 40% and 70% invested in growth assets (e.g. shares and property).

Glossary: risk
An investment is normally considered to be risky if there is a reasonable chance that its value will vary significantly in the future. For example, an investment in shares is more risky than an investment in a bank term deposit. The value of shares may fall below the price paid for them while the value of bank deposits generally do not. High risk investments should only be taken on with long term intentions. You would expect a high long-term return to compensate for high risk.
Glossary: shares
Shares and equities refer to the same thing - a share in the ownership of a company and entitlement to any distributions (eg dividends).
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Low risk profile KiwiSaver funds - OLD

These KiwiSaver funds have a low risk profile - with up to 40% invested in growth assets (e.g. shares and property).

Glossary: risk
An investment is normally considered to be risky if there is a reasonable chance that its value will vary significantly in the future. For example, an investment in shares is more risky than an investment in a bank term deposit. The value of shares may fall below the price paid for them while the value of bank deposits generally do not. High risk investments should only be taken on with long term intentions. You would expect a high long-term return to compensate for high risk.
Glossary: shares
Shares and equities refer to the same thing - a share in the ownership of a company and entitlement to any distributions (eg dividends).
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KiwiSaver funds and schemes

Here you can find out which organisations provide KiwiSaver schemes for each risk profile:

Glossary: risk
An investment is normally considered to be risky if there is a reasonable chance that its value will vary significantly in the future. For example, an investment in shares is more risky than an investment in a bank term deposit. The value of shares may fall below the price paid for them while the value of bank deposits generally do not. High risk investments should only be taken on with long term intentions. You would expect a high long-term return to compensate for high risk.
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Too late to join?

Kiwi Story

Leon is 62 and earns $37,000. He's been a member of his employer's super scheme for the last 10 years ...
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