About KiwiSaver

How do I find out who is my KiwiSaver provider?

Show me the money!

Written by Rupert Ray
Updated over a week ago

What is this KiwiSaver thing?

KiwiSaver helps you save for your first home and the retirement of your dreams.

Written by Rupert Ray
Updated over a week ago

Should I join KiwiSaver?

How to know if KiwiSaver is your flavour.

Written by Rupert Ray
Updated over a week ago

Why do I need to save for retirement?

Superannuation probably won't be enough to live your best life in retirement.

Written by Emma Sproul
Updated over a week ago

I already have KiwiSaver, but I was thrown into a default fund. I don’t know where my money is or what kind of account I have. HELP!

Hey Siri, how do I sort my life out?

Written by Joseph Park
Updated over a week ago

Why should I sign up with BetterSaver instead of going direct to the KiwiSaver provider?

You deserve better.

Written by Rupert Ray
Updated over a week ago

Where do my KiwiSaver funds go?

It's not quite Gringotts, but it is super safe.

Written by David Clarke
Updated over a week ago

Can I transfer funds from another NZ Super Scheme into my KiwiSaver account?

You might be in luck!

Written by Joseph Park
Updated over a week ago

Can I opt out of KiwiSaver?

What to do if KiwiSaver isn't for you.

Written by Rupak Patel
Updated over a week ago

How much will I have saved by retirement age?

Einstein said it best: compound interest is the eighth wonder of the world.

Written by Rupak Patel
Updated over a week ago

When does the KiwiSaver financial year start and finish?

Remember this to max out your government contributions every year!

Written by Joseph Park
Updated over a week ago

Does stock market performance impact my KiwiSaver balance?

Underlying investments influence your KiwiSaver balance.

Written by Joseph Park
Updated over a week ago

I'm not from New Zealand, can I still join KiwiSaver?

From overseas and not sure if you can join KiwiSaver?

Written by Rupert Ray
Updated over a week ago

If I close my KiwiSaver account after retirement age, can I reopen one later?

This is not an open-and-shut case, my dear Watson.

Written by Rupak Patel
Updated over a week ago

How easy is it to change KiwiSaver providers?

Easy as PIE. It's a PIRsonal decision so it's best to get advice first!

Written by Emma Sproul
Updated over a week ago

Do I have to put in money when I join KiwiSaver?

You don't have to be a baller to join KiwiSaver.

Written by Emma Sproul
Updated over a week ago

I'm new to KiwiSaver, can I join?

You CAN sit with us!

Written by Emma Sproul
Updated over a week ago

You had me at ‘savings scheme’. I don’t have a KiwiSaver, so how do I join this thrilling venture?

We can do this the easy way, or the 'life admin' way...

Written by Emma Sproul
Updated over a week ago

Can I enrol my child in KiwiSaver?

Kids can join KiwiSaver, but get less perks.

Written by Emma Sproul
Updated over a week ago

I started a new job, but I’m already in KiwiSaver. Do I need to do anything?

Woohoo! Congrats on the new job. Your employer will give you some paperwork to formalise any KiwiSaver changes.

Written by Joseph Park
Updated over a week ago

How can I find my IRD number?

What's 9 digits, required to switch KiwiSaver funds and never around when you need it?

Written by Joseph Park
Updated over a week ago

When is the best time to switch funds or make a withdrawal?

Timing isn't everything, but it is a thing.

Written by Rupert Ray
Updated over a week ago

What is the best fund to ride out economic crashes?

It depends on what you mean by "best".

Written by Rupert Ray
Updated over a week ago

Should I move my money into a more conservative fund?

Your goals and preferences are more important than market movements.

Written by Rupert Ray
Updated over a week ago

How can I change my contribution rate?

Small changes in your contribution rate add up over time.

Written by David Clarke
Updated over a week ago

What happens to my contributions if I stop working?

If you take a break from work, so do your contributions.

Written by David Clarke
Updated over a week ago

Will I still be entitled to employer and government KiwiSaver contributions if I continue working beyond retirement age?

Retirement age doesn't necessarily mean retirement. Make that money!

Written by Rupert Ray
Updated over a week ago

How does my employer know what to contribute?

Communication is the foundation for our KiwiSaver nation.

Written by Rupert Ray
Updated over a week ago

Are KiwiSaver contributions deducted from redundancy payouts?

The redundancy process can be upsetting and messy; KiwiSaver is staying out of it.

Written by Rupert Ray
Updated over a week ago

Can I contribute to my KiwiSaver fund from overseas?

You can, but you don't have to. Travel is expensive!

Written by Rupert Ray
Updated over a week ago

Is it compulsory for my employer to contribute to my KiwiSaver fund?

Your employer can help you build your retirement savings - how good!

Written by Rupert Ray
Updated over a week ago

How do I view my contributions history?

The IRD have got you boo.

Written by Emma Sproul
Updated over a week ago

How do I make a lump sum contribution to my KiwiSaver account?

Voluntary contributions are a cool option for your spare cash.

Written by Emma Sproul
Updated over a week ago

How can I make voluntary contributions?

Mo' money, mo' compound interest.

Written by Emma Sproul
Updated over a week ago

Can I keep contributing to KiwiSaver after I'm eligible to withdraw it?

Retirement age is fixed, but the hustle lives forever.

Written by Emma Sproul
Updated over a week ago

How do I know I’m maximising government contributions?

Don't miss out on free money for your KiwiSaver account.

Written by Rupak Patel
Updated over a week ago

What are Member Tax Credits (MTC)?

Government contributions. Thanks Jacinda!

Written by Rupert Ray
Updated over a week ago

Why am I not receiving MTCs?

When you won't get the government contribution.

Written by Rupert Ray
Updated over a week ago

How much of my hard-earned dollar can I contribute?

Contribution rates and voluntary contributions - size does matter.

Written by Joseph Park
Updated over a week ago

Can I pause my contributions?

Sometimes to press play in life, we need to press pause on KiwiSaver contributions.

Written by Emma Sproul
Updated over a week ago

I’m self employed. Does this affect my KiwiSaver fund?

You go Glen Coco! You can still contribute to KiwiSaver!

Written by David Clarke
Updated over a week ago

What are KiwiSaver Unit Prices?

You may be a loose unit, but your KiwiSaver fund isn't!

Written by Joseph Park
Updated over a week ago

Can I keep my KiwiSaver fund if I move abroad?

Keeping your KiwiSaver fund from overseas.

Written by Rupak Patel
Updated over a week ago

I’m leaving the country! What will happen to my KiwiSaver fund?

We'll miss you! But you might be able to bring your KiwiSaver fund along for the ride.

Written by Rupak Patel
Updated over a week ago

Can I transfer my KiwiSaver funds to Australian Super?

Your KiwiSaver balance can move to Aussie with you.

Written by David Clarke
Updated over a week ago

I moved my Australian Super Savings into a KiwiSaver fund. Can I withdraw it for my first home?

Mate, you're dreaming.

Written by Joseph Park
Updated over a week ago

Can I transfer my UK retirement savings to a KiwiSaver account?

The Brits are happy to share creme eggs, but not UK pension savings.

Written by Rupak Patel
Updated over a week ago

Can I transfer my Australian Super to a KiwiSaver fund?

Welcome to the true birthplace of pavlova.

Written by Zachary Culpan
Updated over a week ago

I'm a previous homeowner, but want to withdraw my KiwiSaver for a first home purchase. Can I?

Maybe, as long as you're not double dipping!

Written by Rupert Ray
Updated over a week ago

I'm ready to buy a home. How do I get access to my KiwiSaver fund?

Nice try, but they won't transfer your balance into your bank account.

Written by Zachary Culpan
Updated over a week ago

I already own a house. Can I apply for first home withdrawal to pay off my mortgage?

You're a bit late, mate.

Written by Zachary Culpan
Updated over a week ago

Can I apply for a first home KiwiSaver withdrawal to buy land?

Land yourself a first home withdrawal.

Written by Emma Sproul
Updated over a week ago

I own a house overseas. Can I apply for first home withdrawal?

Dude you literally own a house already.

Written by Emma Sproul
Updated over a week ago

I already own some land; can I apply for a first home withdrawal to build a house on it?

KiwiSaver funds are like hummus; you're not allowed to double-dip!

Written by Emma Sproul
Updated over a week ago

How do I get a First Home Grant?

Every little bit counts!

Written by Emma Sproul
Updated over a week ago

Can I withdraw my KiwiSaver funds to purchase an investment property?

Cheeky! Kudos for thinking outside the box, but this one won't fly.

Written by Emma Sproul
Updated over a week ago

When will my KiwiSaver savings be paid out for a first home withdrawal?

You're a home owner baby!

Written by Emma Sproul
Updated over a week ago

Can I make a first home withdrawal?

Buying a house with my KiwiSaver fund.

Written by Emma Sproul
Updated over a week ago

I've been in KiwiSaver for two years; can I withdraw my savings to buy my first home?

Your first home deposit is so close, yet so far.

Written by Joseph Park
Updated over a week ago

I want to use my KiwiSaver fund for a first home purchase, but my balance has dropped. What should I do?

PANIC! Just kidding, you're a cool customer. You've got this.

Written by Rupert Ray
Updated over a week ago

I have a life-shortening congenital condition. Can I withdraw my KiwiSaver balance early?

You might be able to withdraw your KiwiSaver investment early.

Written by Joseph Park
Updated over a week ago

I'm almost 65 and worried because my KiwiSaver balance has dropped.

Never fear, BetterSaver is here!

Written by Rupert Ray
Updated over a week ago

When am I eligible to withdraw savings transferred from an Australian Super or UK Pension Provider?

Yeah, nah. It's a bit complicated.

Written by Emma Sproul
Updated over a week ago

What happens to my KiwiSaver account when I die?

Get your will sorted to make this process easier on your loved ones.

Written by Joseph Park
Updated over a week ago

How do retirement withdrawals work?

Don't spend it all at once!

Written by Zachary Culpan
Updated over a week ago

I'm 65 - what happens now?

Golden girls and smoldering seniors: your KiwiSaver fund awaits.

Written by Joe Taylor
Updated over a week ago

What is serious illness withdrawal and can I do it?

Sorry you're not well; you might be able to withdraw your KiwiSaver funds early.

Written by David Clarke
Updated over a week ago

I want to withdraw my full KiwiSaver balance. How long will it take?

Stop, wait a minute. Fill my cup, put some savings in it.

Written by David Clarke
Updated over a week ago

I’m suffering financial hardship. What can I do?

You might be able to withdraw some of your KiwiSaver balance early.

Written by David Clarke
Updated over a week ago

How do KiwiSaver fees work?

Lower isn't always better; we're here to help you get value for money.

Written by David Clarke
Updated over a week ago

What fees is my KiwiSaver fund subject to?

Your KiwiSaver provider is charging you fees, but are they worth it?

Written by David Clarke
Updated over a week ago

How do I know if my PIR has changed?

Your PIR is based on your income for the last two years.

Written by Rupak Patel
Updated over a week ago

Who do I tell if my PIR rate has changed?

Hint: it's us!

Written by Rupert Ray
Updated over a week ago

How is my KiwiSaver fund taxed?

How your contributions and gains are taxed.

Written by Rupak Patel
Updated over a week ago