KiwiSaver is a voluntary, long-term savings scheme that helps you save for your retirement. It can also help you buy your first home.
If you are employed, regular contributions come straight out of your pay, and if you are aged between 18 and 65 your employer also contributes at least 3% of your gross salary or wages (i.e., before tax), to help your KiwiSaver account grow.
On 1 April 2026, the minimum employee and employer contribution rate of 3% will increase to 3.5%, and then to 4% on 1 April 2028. However, you can apply for a temporary rate reduction and contribute at a rate of 3%. There is no limit on the number of temporary rate reductions you can apply for.
If you’re self-employed or not in paid employment, you can make voluntary contributions to your account.
If you are aged between 16 and 65 and contribute a minimum of $1,042.86 you could be eligible for the government contribution of $260.72 per year. Find out more here.
To join or transfer to the Fisher Funds KiwiSaver Plan, you can complete the application form here.