KiwiSaver basics
Hear about the key features of KiwiSaver, including contributions, free money from the Government, funds and more.
Three great reasons to join KiwiSaver
KiwiSaver is an easy way to help you save for your future – and it has a range of benefits that make it even more worthwhile.
What makes up your KiwiSaver balance
Your contributions +/- returns - fees +/- taxes = your KiwiSaver account
When you can withdraw your savings
You can withdraw your savings from your KiwiSaver account:
When you reach age 65
You can usually begin withdrawing your savings when you turn 65.
To buy your first home
If you’ve been a KiwiSaver member for three years and you’re buying your first home, you may be able to withdraw your savings.
If your circumstances change
You may be able to access your money early if you move overseas permanently, are experiencing significant financial hardship, or have a serious illness.
Choosing which fund to invest in
With each of the ANZ-managed KiwiSaver schemes, you have a range of funds to choose from.
Alternatively you can choose our Lifetimes option and have your KiwiSaver savings moved through different funds based on your age.
Why you should choose ANZ
Empowering your financial future
As Aotearoa’s largest KiwiSaver provider, more Kiwis trust us with their KiwiSaver savings than anyone else.
Expertise you can trust
Our team of New Zealand-based investment management experts, together with global partners including BlackRock, are focused on delivering investment outcomes to support your long-term goals.
Your investing journey made easy
We make KiwiSaver simple with a great range of tools, resources and fund options to help you make the right investing decisions.
Guidance when you need it
Our team of specialists can help you understand your financial needs and give you the confidence to stay on the right track.
Apply to join the ANZ KiwiSaver Scheme
Before applying, read the guide and product disclosure statement. Find them on KiwiSaver documents and forms.
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Important information
ANZ New Zealand Investments Limited (‘ANZ Investments’) is the issuer and manager of the ANZ KiwiSaver Scheme, the OneAnswer KiwiSaver Scheme and the ANZ Default KiwiSaver Scheme (no longer a default scheme and closed to new members). For the scheme guides and product disclosure statements see KiwiSaver documents and forms or ask at any ANZ branch.
ANZ Investments is not an authorised deposit-taking institution under Australian law and investments in the schemes are not deposits in or liabilities of ANZ Bank New Zealand Limited, Australia and New Zealand Banking Group Limited or their subsidiaries (together ‘ANZ Group’). ANZ Group does not stand behind or guarantee ANZ Investments. Investments in the schemes are subject to risk, including possible repayment delays or loss of income and principal invested. ANZ Group will not be liable to you for the capital value or performance of your investment.
This material is for information purposes only. Please talk to us if you need financial advice about your situation and goals or about our products and services. See our Financial advice provider disclosure statement (PDF 39.9KB).