KiwiSaver
New Zealand’s voluntary workplace savings scheme for retirement and first homes — your contributions plus employer and government top-ups, invested in a fund you choose.
KiwiSaver is a long-term savings scheme most New Zealanders join through work. You contribute a percentage of your pay (3%, 4%, 6%, 8% or 10%), your employer adds at least 3%, and the government contributes an annual top-up when you put in enough yourself.
The money is invested in a fund — conservative through growth — and locked until you turn 65, with two big exceptions: buying your first home, and significant financial hardship. Fund type and fees matter enormously over decades; the difference between a conservative and growth fund for a 25-year-old can be six figures by retirement.
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