KiwiSaver
Fund types, contribution rates, first home withdrawal, and growing your balance.
What happens to your KiwiSaver when you turn 65. Withdrawal options, tax treatment, drawdown strategies, fund choice, and how to make your balance last.
Eligible first home buyers can withdraw most of their KiwiSaver balance after 3 years of membership. Here's how it works, what you can access, and the application process.
KiwiSaver hardship withdrawal lets you access funds early if you face significant financial hardship or serious illness. Here's how to apply.
Extra cash: KiwiSaver or mortgage? At 5.49% mortgage rates and 8-9% growth fund returns, we model the real NZ numbers including employer match.
Compare NZ KiwiSaver funds by returns, fees, and fund type. See top performers across defensive to aggressive categories.
KiwiSaver fund types range from defensive to aggressive. Learn what each invests in, typical returns, and which suits your age and goals.
KiwiSaver contribution rates are 3%, 4%, 6%, 8%, or 10%. The default rises to 4% from April 2028. See how each rate changes your take-home pay and retirement savings.
Choose the right KiwiSaver fund based on your age, timeline, risk tolerance, and fees. A simple decision framework for NZ.
Under 30? Compare KiwiSaver fund fees, returns, and options for younger investors. See how fund type and fees affect your balance at 65.
Self-employed? You get no employer KiwiSaver match, but you can still claim $521/year in government contributions. Here's how to make it work.