It’s never too early (or too late) to start saving or investing. We’ve got savings and investment options to help you reach your financial goals, whether that’s a new pair of shoes, a new set of wheels or a cushy retirement.
Ask yourself the big questions before you start – the answers will help you choose a solution that suits your circumstances and your goals.
Finding the right 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.
Try our investment selector to see what might suit you.
Whether it’s in a savings account, a call account, a Notice Saver, or a term deposit, our savings and investment options can help you reach your financial goals faster.
With our Online Call account, you get the best of both worlds: a competitive interest rate and access to your money any time.
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 also available.
If you don’t want to lock away your savings for a set term, but are worried you’ll keep dipping into your account, a Notice Saver could be right for you. It’s a flexible savings account that lets you earn good interest, but doesn’t give instant access to your money. Just give us notice (either 32 days or 90 days) when you want to make a withdrawal.
A Portfolio Investment Entity (PIE) could reduce your tax and increase your savings, where your normal tax (RWT) is lower than your PIR tax rate. Kiwibank’s Notice Saver is a PIE account, and we also offer a PIE Term Deposit Fund and a PIE Online Call Fund.
Try our PIE investment calculator to compare the interest you’d make in a PIE fund with our standard investment accounts.
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.
Standard terms and conditions
Kiwibank PIE Online Call Fund, Kiwibank PIE Term Deposit Fund and Kiwibank Notice Saver are funds within a Portfolio Investment Entity (PIE). Units in Kiwibank PIE Online Call Fund, Kiwibank PIE Term Deposit Fund and Kiwibank Notice Saver are distributed by Kiwibank Limited and are issued by Kiwibank Investment Management Limited.
See all investment terms and conditions or pick up copies from your nearest Kiwibank.
This communication contains general information only and not investment or tax advice, and as such you shouldn't rely on it as the sole basis for any financial decision. Potential investors should seek professional advice as to whether an investment is right for them, including the taxation implications of such an investment.