When can I make a KiwiSaver retirement withdrawal?

When you reach 65 you can access the money in your KiwiSaver account, but you don’t need to withdraw it all. You can make regular and lump sum withdrawals as and when you need to, and your account can continue to work for you long after you retire.

What you need to do:

Fill in the appropriate application form

Email a scanned copy to [email protected], return it to our offices in Takapuna, or return via post

First time making a retirement withdrawal?

If you want to make your first retirement withdrawal from your KiwiSaver account, you’ll need to complete the Initial Retirement Withdrawal Form.

Making a subsequent retirement withdrawal?

If this isn't your first time making a retirement withdrawal with Fisher Funds from your KiwiSaver account, you can either complete this Subsequent Withdrawal Form or follow the process below for how to do this online. You’ll have the option to make a partial or full withdrawal, or set up a regular withdrawal.

How to request a subsequent withdrawal using Fisher Funds Online (portal or app)

Log in to Fisher Funds Online (portal or app), select the account you’d like to withdraw from, click Account options (or the three dots if using the mobile app) next to your account, and select Withdraw Funds.

Enter your details, choose your withdrawal option, submit the form, and you’re all done! If we need any extra information, our friendly team will reach out.

When will I receive my funds?

One-off partial withdrawal:
Funds arrive in your nominated bank account within 3–5 business days.

Regular withdrawal:
Once we’ve verified your request we will set up your regular withdrawal. Please note your start date is the date your withdrawal will be priced, it will then be paid within 3-5 working days after this date.

Full withdrawal:
May take up to 15 business days.

If you need any further information about making a retirement withdrawal, please contact us, and we’ll be happy to help you out. 