Useful links

Life events
Manage your finances

Saving and investing money

Want to make the most of your money in the bank? Whether it’s in a savings account, a high interest call account, or a term deposit, Kiwibank’s saving and investment options can help you reach your financial goals faster. If you need a hand, our Wealth Advisers may be able to help. Find out more or make an appointment by calling 0800 529 325.

A disclosure statement required under the Financial Advisers Act 2008 is available, free of charge, from your Kiwibank Wealth Adviser or on request by calling 0800 529 325.

Starting out

Ask yourself the big questions before you start – the answers will help you choose a solution that suits your circumstances and your goals.

How often will you need to access your money?
When will you want to cash in your investment?
Are you on a high tax rate?
Do you have a retirement savings plan and have you worked out how much you'll need?
Will you be regularly adding to your savings?

Finding the ideal investment is all about striking a balance between a return you're happy with, the risk you're prepared to take, and having access to your money when you need it.

Kiwibank offers a range of saving and investment options to suit different circumstances.

Helping you reach your savings goals

Kiwibank has several savings account options that can help you reach your savings goals more quickly. First Saver's our account for under-18s, Back-up Saver is great for setting money aside for a rainy day, and with Fast Forward Saver, you get higher interest if you save regularly and don't make withdrawals..

Ready access and competitive interest

With Kiwibank's Online Call account you get the best of both worlds: a competitive interest rate and access to your money any time.

Set and forget for high interest

If you have $5,000 or more that you don't need access to right now, a Term Deposit could be just the thing. You choose the term – from 30 days to five years – and your money earns top interest rates. Term Deposits under $5,000 are available but Online Call could provide better returns for these amounts.

Tax smart investments

If you're paying tax on deposits at 33% or 30%, a Portfolio Investment Entity (PIE) could reduce your tax and increase your savings. Kiwibank offers a PIE Term Deposit Fund and a PIE Online Call Fund.

Managed funds with professional investment management

If you can invest for longer periods, Kiwibank Investment Portfolio could help you enjoy the potential of better returns than bank deposits can offer. In a managed fund, the money you invest joins money from other investors. That creates a pool large enough to be managed by investment professionals who are skilled in dealing with a range of financial assets.

Understand what you're putting your money into

Before you commit your money to anything, make sure you understand what you're investing in. Check the fees and read the fine print.

Will you be penalised for withdrawing money early? Are there any other requirements you need to know about? And just as importantly, does the product offer any particular benefits or bonuses?

Before you make any big decisions, it's always a good idea to speak to an independent financial adviser.

Conditions

Download Kiwibank's Investment Statement for Term Deposits (PDF 847 KB) and Disclosure Statement (PDF 1.7 MB) or pick up copies from your local Kiwibank. Units in the Kiwibank PIE Online Call Fund and the Kiwibank PIE Term Deposit Fund are distributed by Kiwibank and are issued by Kiwibank Investment Management Limited. Download the Investment Statement for Kiwibank PIE Online Call Fund (PDF 268 KB) and the Investment Statement for Kiwibank PIE Term Deposit Fund (PDF 268 KB) or pick up copies from your local Kiwibank.

The Balanced Fund, Conservative Fund, Growth Fund and the Responsible Investment Leaders Balanced Fund offered through the Kiwibank Investment Portfolio are distributed by Kiwibank Investment Management Limited and are issued by AMP Investment Management (N.Z.) Limited. Download the Investment Statement for the Kiwibank Investment Portfolio (PDF 350 KB) or call 0800 529 325. Investments in the Balanced Fund, Conservative Fund, Growth Fund or Responsible Investment Leaders Balanced Fund offered through the Kiwibank Investment Portfolio do not represent deposits or other liabilities of Kiwibank. They are subject to investment and other risks, including possible delays in payment of withdrawal amounts in some circumstances, and loss of investment value. No person, including Kiwibank, guarantees the performance of the Kiwibank Investment Portfolio, including the redemption of capital invested by any investor.