Kiwisaver

• Budgeting
• Insurance
• Debt Reduction
• Savings
• Before You Invest
• Investments
  • Asset Classes
  • Cash And Fixed Interest
  • Residential Property
  • Shares
  • Kiwisaver
  • Unit Trusts
  • Super Funds
  • Small Business
  • Other Investments
• Retirement Planning
• Estate Planning

Calculators

• KiwiSaver Account Calculator for Employees
• Residential Property Investment Calculator

Useful Resources

• KiwiSaver Tools and Information
• Follow the Secrets to Wealth
• Get the newsletter direct to your inbox each month
• Independent life insurance information

• Why you should invest in KiwiSaver
• What do you need to do?
• KiwiSaver account calculator
• KiwiSaver account calculator - For the self employed / Not in the workforce
• Which KiwiSaver investment should I choose?
• KiwiSaver investor tools and information
• KiwiSaver first home deposit
• Some final KiwiSaver notes

What do you need to do?

What do employees need to do?

You can contribute 3%, 4% or 8%. Please note that this is 3%, 4% or 8% of your pre-tax income. For example, if you earn $100,000 and choose 4%, $4,000 would be credited to KiwiSaver, but you will still pay tax on that amount. We recommend that you contribute 3%. This will ensure that you maximise both the member tax credit (depending on the level of your income) and the mandatory employer contribution.

If your income is below $34,700 and your contribution is 3%, you won’t get the maximum $520 Government contribution. So we recommend making a voluntary contribution up to $1,040 each year to ensure you get the maximum tax credit.

What do the self-employed or those currently not in the workforce need to do?

We recommend signing up directly with one of the scheme providers and contributing $20 per week. This will ensure that you maximise the member tax credit.