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.
Self-employed
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 time before you turn 65. You'll have to be a member for 5 years before you can get your money out.
For more information on government services, go to 
© Copyright 2017 Inland Revenue. Conditions of use and your privacy.