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About KiwiSaver
KiwiSaver 101
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74 articles in this collection
Written by
Zachary Culpan,
Joe Taylor,
Rupert Ray
and 4 others
What is 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
Joining and Switching Funds
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
Contributions
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
Leaving and Returning to New Zealand
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
Buying a First Home
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
Retirement and Other Withdrawals
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
Fees and Taxes
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