Answer these questions to find the type of investment that is likely to meet your needs. Remember, investing is all about balancing needs - do you want a higher rate of return, or easy access to your money.
This tool provides you with a suggestion based on the type of investment that would generally suit people with the characteristics you select. There may, however, be other factors that need to be taken into account.
This is so we can work out what tax rate you're on.
With Kiwibank's Online Call account you'll earn more interest than a standard savings account and still pay no account management or transaction fees because you manage your savings online.
You link your Online Call account with an existing New Zealand bank account. This becomes your 'nominated account' and when you withdraw money from your Online Call, it will go into this accoun
With a Kiwibank PIE Online Call or PIE Term Deposit, an attractive rate of return and lower tax could mean a better return for you. This is because PIEs have special tax rules and a maximum tax rate of 28%.
Use our simple calculator to see the real difference in return between PIE and standard investments.
The all new Notice Saver from Kiwibank is a New Zealand first - it gives you better returns than a savings account, without your funds being locked away.
You can add money to your investment whenever you like, then just give us notice when you need to withdraw some or all of it.
Deposit money any time
No set term - withdraw money by giving 32 days notice
Returns calculated daily and paid monthly
PIE compliant so you can benefit from greater after-tax returns, if you pay tax at 30% or 33%.
With Kiwibank Term Deposits you earn a fixed rate of interest for a fixed term. There are no fees unless you break the term, and rates tend to be higher than savings accounts.
With a Kiwibank PIE Online Call or PIE Term Deposit, an attractive rate of return and lower tax could mean a better return for you. This is because PIEs have special tax rules and a maximum tax rate of 28%.
Use our simple calculator to see the real difference in return between PIE and standard investments.
Do you want great term deposit rates with anytime access to some of your funds? Kiwibank's Access Term Deposits let you earn high interest and lock your funds away – but with the option to access a portion of your investment anytime you need to.
Kiwibank Notice Saver is a Portfolio Investment Entity (PIE).
Units in the Kiwibank PIE Online Call Fund, the Kiwibank PIE Term Deposit Fund and Kiwibank Notice Saver are distributed by Kiwibank Limited and are issued by Kiwibank Investment Management Limited.
Investment Statement for Term Deposits (PDF 847 KB) and