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KiwiSaver guides
What is KiwiSaver
Start here: how the scheme works, who's eligible to join, where your contributions come from, and the rules for getting your money out.
Read the guide →KiwiSaver Contribution Rates
The rates you can choose from, how employer matching adds to what you put in, the tax taken off each contribution, and how to pick the right rate.
Read the guide →Government KiwiSaver Contribution
The annual government top-up of up to $260.72: who's eligible, how much you need to contribute to claim the full amount, and when it's paid.
Read the guide →Best Performing KiwiSaver
Why last year's top performer is the wrong thing to chase, and the factors that actually matter when you're comparing and choosing a fund.
Read the guide →How to Change KiwiSaver Providers
The switch explained step by step: how to start it, how long it takes, whether it costs anything, and what your employer needs to know.
Read the guide →KiwiSaver for First Home
Using KiwiSaver for a first-home deposit: who qualifies, how much you can withdraw, the steps involved, and the fund-type mistake to avoid beforehand.
Read the guide →KiwiSaver Withdrawal
What KiwiSaver is designed for, and every situation — from hardship to retirement — where you're allowed to access your savings early.
Read the guide →Active vs Passive Fund Management
The difference between paying a manager to beat the market and simply tracking it cheaply, what the evidence says about each, and how much it should weigh on your choice.
Read the guide →Still have a question?
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