What is KiwiSaver?

KiwiSaver is a voluntary work-based savings initiative to help you with your long-term saving for retirement. It is designed to be hassle free, so it is easy to maintain a regular savings pattern.

There are a range of membership benefits including regular contributions from your employer and an annual Government contribution. You may also be eligible for help with the deposit on your first home. KiwiSaver contributions build the kind of retirement you want without affecting your eligibility for NZ Superannuation or reduce the amount of NZ Superannuation you would be eligible for.

Choosing to invest into a KiwiSaver scheme is an important financial decision to take charge of your financial future. Hence, it is important to choose a suitable KiwiSaver scheme as there are many KiwiSaver schemes to choose from, but you can invest in only one.

Our KiwiSaver provider has developed a KiwiSaver scheme with several attributes to attract discerning investors like you. The benefits of KiwiSaver build up from day one, and the earlier you start, the sooner you can start building your retirement wealth.

  • KiwiSaver schemes are managed by private sector companies called KiwiSaver providers
  • KiwiSaver is not guaranteed by the Government. This means you make your investment choices in a KiwiSaver scheme at your own risk.
  • More information on www.kiwisaver.govt.nz
Choosing the right fund & provider

KiwiSaver is one of the biggest financial decisions most of us will make over our lifetime, so it's concerning that majority of New Zealanders don't get advice before choosing their provider or their fund type. Being in the wrong fund type for your life stage could mean the difference of hundreds of thousands of dollars at retirement.

If you are looking to join KiwiSaver, or simply want more information, one of our Motiva advisers can help by giving you limited advice. We make sure you receive the right information so you can make informed decisions about maximising your superannuation and achieving financial independence at retirement.

Motiva advisers provide limited advice only and do not provide personalised financial advice on KiwiSaver. If you require personalised financial advice services for KiwiSaver, we can refer you to Financial Adviser specialising in Investment Advice outside of Motiva.