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Is KiwiSaver right for you?

See how KiwiSaver can work for you depending on your age, your work situation, whether you're already saving or planning on going overseas.

Under 18s

If you're under 18 years old, you'll need your legal guardians consent. If you choose to join KiwiSaver you'll need to contact a scheme provider directly.

New job

If you're not already a member and are eligible to join, in most cases you'll be automatically enrolled when you start your new job.

Going on your OE

If you join KiwiSaver and then go overseas for an extended period of time, you can remain a KiwiSaver member, but won't receive all the benefits.

Saving for your first home

While KiwiSaver is mainly about saving for your retirement, there are 2 benefits for KiwiSaver members who are saving for their first home.


If you're self-employed you're not required to contribute a percentage of your pay. Instead, you agree your contribution level with your provider.

Not employed

If you're not employed, you agree your contribution level with your provider. Some schemes may have minimum contribution requirements.

Already saving

If you're already saving for retirement you may wish to compare your existing savings scheme with KiwiSaver before deciding whether to join.

Nearing retirement

You can join KiwiSaver at any age. If you joined before 1 July 2019 and are over 60 years old, you'll have to be a member for 5 years before you can get your money out.