Why join KiwiSaver?

KiwiSaver offers benefits no other investment can. KiwiSaver is an excellent way to save for your retirement and also help purchase your first home. We are more than happy to explain how KiwiSaver works and how you can make the most of your savings. With many KiwiSaver accounts now showing balances in excess of $10,000, your KiwiSaver fund can quickly become your second largest asset after the family home.

When You Join KiwiSaver You Will Receive:

EmployerContributionA 3% contribution from your employer.

If you’re contributing to KiwiSaver from your salary or wages, your employer is required to put in a minimum of 3% of your Before Tax Pay (less employer’s superannuation contribution tax).

CreditMember Tax Credits of up to $521.43 every year.

For every $1 you put into your KiwiSaver scheme account, the Government will put in 50 cents up to a maximum of $521.43 per year, if you’re 18 or over. This is called a Member Tax Credit.

FirstHomeFirst home withdrawal.

If you’ve never owned a home, and you’ve been a KiwiSaver member for at least three years, you can take out all of the money both you and your employer have put in, as well as all of the investment returns, to help buy your first home.**

GovernmentContributionUp to $10,000 HomeStart grant.

On top of the first home withdrawal, if you’re eligible, you may also receive up to $10,000 as a HomeStart grant from the Government towards your first home.*

TrustYour money is held in trust.

Whether you are with a big Aussie bank or a New Zealand owned KiwiSaver specialist, the KiwiSaver Act requires your investments to be held by a licensed trustee and not the scheme provider. This means you can focus on selecting the fund that’s right for you knowing your investments are being held and supervised by an independent trustee.

What we can do:

Our aim is to help you understand KiwiSaver, and set you up with the best fund for you situation, so your can maximise your savings. After reviewing your KiwiSaver we will recommend a KiwiSaver provider that can help achieve your savings target. By helping you choose a KiwiSaver investment/ fund that fits your life situation this will enable you to enjoy more than just the government pension, when you stop work.

How we do it:

Not all funds are the same, an experienced Financial Adviser will work with your current situation to understand your goals, your priorities, your approach to risk and how much you want in retirement.