Saving for your tomorrow

What is KiwiSaver?

KiwiSaver is a voluntary savings scheme set up by the government to help New Zealanders to save for their retirement.

You can choose to contribute 3%, 4% or 8% of your gross (before tax) wage or salary to our KiwiSaver account. Your employer has to contribute as well – at least 3% of your gross salary.

Along with KiwiSaver employer contributions, there’s an annual KiwiSaver government contribution.

Your funds are invested on your behalf by the KiwiSaver provider of your choice. If you don’t choose a provider Inland Revenue will assign you to one of the nine default KiwiSaver schemes. 


Our Preferred KiwiSaver Provider

We have selected Generate as our preferred provider.
Why Generate?
With so many KiwiSaver schemes to choose from that’s a good question.


  • New Zealand owned and operated KiwiSaver specialists

  • Award winning – Investment Provider of the Year 2015 SuperRatings Gold 2016

  • Service Focused – Ranked highly for services by

  • #1 Performance – #1 Performing KiwiSaver Fund in the Growth Category for 2014 & 2015

  • Generate keep members up to-date with easy to understand information, regular contact via monthly newsletters and online access.

  • Generate’s investment committee has over 90 years of combined investment experience.

  • Enjoy peace of mind with your investments held by Public Trust, which has full oversight of your KiwiSaver investment.

  • Generate actively monitor all investments. When expectations are not met Generate will replace the investment with ones they believe can.

Investment Provider of the Year as voted by the Professional Advisers Association. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria.  Ranked #1 for services by as at 31 March 2015. KiwiSaver surveys for the year to 31 December 2014 and the year to 31 December 2015 both ranked the Generate Growth Fund 1st for performance in the Growth Category. Past performance is not a reliable indicator of future performance. Returns since inception should be assessed.

Terms and Conditions apply.

Benefits of KiwiSaver

The question of signing up to KiwiSaver is less ‘why’ and more ‘why not?’ because of the benefits it offers.

  • KiwiSaver contributions come out of your pay before you see it. This makes saving easy.

  • If employed, your employer has to contribute at least 3% of your gross wage or salary into your KiwiSaver account. That’s on top of your own contributions.

  • The government pays into your KiwiSaver account as well – an annual government contribution (if you are a contributing member aged 18 or over) of up to $521

  • As well as saving for retirement, you can also use KiwiSaver for buying your first home through a KiwiSaver HomeStart grant and home purchase withdrawal.

  • If you change jobs or leave the workforce your KiwiSaver account moves with you.

  • If you experience hardship it is possible to access the funds in your account.