You can join KiwiSaver at any time before you turn 65.
Joining if you're under 60
If you are under 60 years old when you join, like everyone else you will be eligible to get your money out when you turn 65.
Joining if you're over 60
If you join 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.
Benefits for those nearing retirement
- a Government contribution at the end of the KiwiSaver year (July to June)
- a compulsory employer contribution (if you're working).