We partner with Fisher Funds, our chosen KiwiSaver provider.
Planning now for a better future
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Build your investments with as much or as little involvement as you like — you don't need investing experience to get started.
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Choose your funds or invest automatically with GlidePath, so you don't have to make the decisions.
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See the account balance of your Fisher Funds KiwiSaver Plan alongside your other Kiwibank accounts, for complete visibility.
How it works
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Understanding KiwiSaver
KiwiSaver is a voluntary savings initiative designed to encourage Kiwi to save for retirement. You can also dip into it to help you buy your first home.
Fisher Funds offers a variety of funds, and the investment team balance risk and return in line with the investment objectives of the funds. Fisher Funds has a responsible investment policy that applies to all of their funds.
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Eligibility
You can join KiwiSaver if you're a New Zealand citizen or entitled to live in New Zealand permanently, and you're living or normally living in New Zealand (or you're a States Services employee serving outside of New Zealand).
If you're transferring from another KiwiSaver scheme and you meet the above criteria, you can also apply to join.
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Choose your funds or invest with GlidePath
Pick one or choose a mix of: Cash, Core Conservative, Conservative, Default, Balanced, Growth and Aggressive.
Each fund has a different level of risk, so finding the best option for you depends on factors such as how much risk you're comfortable with and when you plan on using the money.
You can also choose to use GlidePath, Fisher Funds' automatic investment service. GlidePath adjusts your investment fund mix based on your age. This might not be suitable for you if you're planning to buy your first home or you have a low tolerance for risk. Before choosing GlidePath, consider getting advice from Fisher Funds at no additional cost.
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Fees
Fees depend on the investment fund(s) you invest in.
If you choose GlidePath, fees are based on your GlidePath investment mix. There is no additional fee for using GlidePath.
To read more about fees that may apply visit fisherfunds.co.nz.
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View your balance
If you're a Kiwibank customer, you can see your Fisher Funds KiwiSaver Plan account balance alongside your accounts in the Kiwibank mobile app or internet banking.
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Contact Fisher Funds
If your balance isn't showing, contact Fisher Funds at enquiries@fisherfunds.co.nz. Fisher Funds has an experienced and friendly team of advisers, with an award-winning Client Experience Team to help you on your investment journey.
Preparing for your retirement
No matter how far away it is, it's worth thinking about your retirement. Fisher Funds has guides, articles and tools to help you to get the most out of your investment in time for your retirement.
How KiwiSaver contributions work
Your contributions
- If you’re employed, you can choose to contribute 3.5%, 4%, 6%, 8% or 10% of your pre-tax salary or wages. If you don’t choose a contribution rate, the default rate is 3.5%. Money will automatically be deducted from your pay and sent to Fisher Funds via Inland Revenue.
- If you’re self-employed or not working, you can contribute directly. With Fisher Funds, you can make direct contributions through internet banking, bill payment or direct debit of any amount.
- If you’re self-employed and pay yourself through the PAYE system, you'll be treated as an employee and must make employer contributions.
- All investors can also make voluntary lump sum or regular contributions at any time.
Employer & government contributions
If you’re aged between 16 to 65 years old, working and contributing to KiwiSaver, your employer must contribute at least 3.5% of your pre-tax salary or wages.
You may receive a government contribution of up to $260.72 a year (25 cents for every $1 you contribute up to a maximum of $1,042.86) if you meet all of the following criteria.
- You're a member of a KiwiSaver scheme
- You're between the ages of 16 and 65
- You mainly live in New Zealand
- You have a taxable income of $180,000 or less per annum
- You haven't made a life-shortening congenital condition withdrawal.
If you meet the eligibility criteria for part of the KiwiSaver year, your government contribution will be pro-rated.
Changes to contributions
- Your employee contributions raised from 3% to 3.5% on 1 April 2026. If this feels challenging for you, you can apply for a temporary contribution rate reduction to continue contributing 3% for now. Visit ird.govt.nz for more information.
- If you're on a temporary contribution rate reduction, your employer may also reduce their contributions.
- From 1 April 2028, the minimum KiwiSaver contributions rates for employees and employers, which are also the default rates, will increase to 4%.
Find out more about changes to KiwiSaver contributions at budget.govt.nz.
Getting your money out of KiwiSaver
Buying your first home
You may be able to withdraw some of your KiwiSaver money to go towards buying your first home. You'll need to have been in KiwiSaver or a complying fund for at least three years, and meet other eligibility requirements.
Find out more about making a KiwiSaver first home withdrawal.
Before you turn 65
Aside from buying your first home, there are a few other circumstances where you may be able to withdraw some or all of your KiwiSaver before you turn 65.
These include:
- Serious illness, including injury, illness or disability that results in you being totally and permanently unable to engage in work for which you're suited by reason of experience, education or training, or any combination of those things; or that poses a serious and imminent risk of death.
- Significant financial hardship
- Life shortening congenital condition
- Permanent emigration
- If you’ve transferred money from an Australian complying superannuation scheme, when you reach age 60 and satisfy the Australian ‘retirement’ definition.
Eligibility criteria apply to each withdrawal type. Processing times vary depending on the type of withdrawal, but most withdrawals generally take 10 – 15 working days to process once all required information has been received.
When you turn 65
Your KiwiSaver investment is long-term, and intended to be accessed when you turn 65. You can set up a regular withdrawal, make partial withdrawals as and when you need them, or make a full withdrawal at any time.
See the Fisher Funds KiwiSaver Plan Product Disclosure Statement for more information about withdrawals over at fisherfunds.co.nz.
At the end of your life
If you pass away while you're a member of a KiwiSaver scheme, upon application to that scheme, your full account balance will be paid to your estate. Find out more about how KiwiSaver works and see FAQs at fisherfunds.co.nz.
Join the Fisher Funds KiwiSaver Plan
New to Kiwibank?
No problem, just complete Fisher Funds' short online form.
Join over at fisherfunds.co.nzAlready a Kiwibank customer?
If you have internet banking, you can apply online through internet banking.
Log in to Internet BankingFisher Funds KiwiSaver Plan
Fisher Funds Management Limited is the issuer and manager of the Fisher Funds KiwiSaver Plan (Plan). Download the Product Disclosure Statement for the Plan by visiting fisherfunds.co.nz.
GlidePath may not be suitable for those intending to buy their first home or who have low risk tolerance and does not take into account your personal goals or circumstances.
Kiwibank Limited (Kiwibank) refers Kiwi to the Plan for fulfilment of their wealth needs. Kiwibank may receive a payment from Fisher Funds if you join the Plan.
Investment in the Plan does not represent a bank deposit or other liability of Kiwibank. Investment in the Plan is subject to investment risk including possible decrease in value as the value of the investment can go up and down. No person, including the Crown or Kiwibank, guarantees the repayment of investments in the Plan or the payment of any returns on investment in the Plan.