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

Some final KiwiSaver notes

Will the 3% employer contribution affect your other salary increases?

Probably not, it's just another cost of doing business.

Is there a catch to KiwiSaver?

Your money is locked away until age 65 (unless you join between the ages of 60 and 64 in which case you will need to wait 5 years). To join a KiwiSaver scheme, you need to be a New Zealand resident and under the age of 65.

What if I have high levels of debt or high interest debt?

The same recommendations apply. Join a KiwiSaver scheme and obtain the maximum level of tax credits and employer contributions if applicable. But you could consider the Shape of Money information on Debt Reduction versus Saving.