Not employed

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

KiwiSaver is very flexible if you're not employed. You're not required to contribute a set amount. Instead you can agree your contribution level with your KiwiSaver provider. Some providers may have minimum contribution requirements. You can either:

• make lump sum payments when you choose, or
• set up regular payments.

Benefits if you're not employed

If you're not employed you can enjoy all the benefits of KiwiSaver except the employer contributions. When you join:

• the Government will match your contributions up to $10 a week (or $521.43 a year), and
• you'll be able to take advantage of the first home buyer's benefits if you're eligible.

Joining KiwiSaver

You'll need to join directly with a KiwiSaver provider of your choice by requesting a product disclosure statement and completing an enrolment form.