Fisher Funds KiwiSaver Plan

The Fisher Funds KiwiSaver Plan can help you achieve your ambitions, whether that’s buying your first home or saving for a comfortable retirement.
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Fisher funds
We partner with Fisher Funds, our chosen KiwiSaver provider.

Key features & benefits

  • If you're a Kiwibank customer, you can see your Fisher Funds KiwiSaver Plan account balance in the mobile app or internet banking.

  • Fisher Funds has a responsible investment policy that applies to all of their funds.

  • The Fisher Funds investment team balance risk and return in line with the investment objectives of the funds.

  • Fisher Funds have an experienced and friendly team of advisers and an award-winning Client Services Team to help you on your investment journey.

How the Fisher Funds KiwiSaver Plan works

KiwiSaver basics

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.


Employer & government contributions

If you’re working, over 18 years old and contributing to KiwiSaver, your employer has to contribute at least 3% of your pre-tax salary or wages. If you’re aged 18 or over, and meet the eligibility criteria, the government also chips in $0.50 for each dollar you contribute, up to a maximum of $521.43 a year.

Your contributions

  • If you’re working you can choose to contribute 3%, 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%. Money will automatically be deducted from your pre-tax salary or wages to your KiwiSaver account.
  • If you’re self-employed or not working, you can contribute directly. With Fisher Funds, you can make direct contributions through internet banking, direct debit, or through Inland Revenue.
  • You can also make voluntary contributions at any time.

Getting your money out

When you turn 65

You can usually get your money out when you reach 65. See the Fisher Funds KiwiSaver Plan Product Disclosure Statement for more information about withdrawals over at

Before you turn 65

Your KiwiSaver investment is generally locked in until you turn 65, but there are limited circumstances where you may be able to withdraw some or all of it before then:

  • Buying your first home
  • 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.

Depending on what type of withdrawal you're making it generally can take between 10 – 15 working days to process.

When a KiwiSaver member dies

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.

Join the Fisher Funds KiwiSaver Plan

You can join if you're living or normally living in New Zealand, and a New Zealand citizen or entitled to live in New Zealand permanently.

New to Kiwibank?

No problem, just complete Fisher Funds' short online form.

Join over at

Already a Kiwibank customer?

If you have internet banking, you can apply online through internet banking.

Log in to Internet Banking