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NZRT for employers

A hassle-free Workplace Savings scheme for your employees

The New Zealand Retirement Trust (NZRT) is a Workplace Savings scheme. You can set up an employer plan within NZRT that you can offer as a benefit for your employees.

The NZRT can help your employees to maximise their savings and manage their money, thanks to an experienced investment team.

This might suit you if you’re...

  • interested in attracting and retaining talent by boosting your benefits package 
  • an employer looking for a Workplace Savings scheme option for your employees, operated by a dedicated team of experienced administrators and investment professionals, known as fund managers.

Here’s what you get:

  • Dedicated support from a team of qualified Advisers who can help you and your employees stay well informed about their investment and other options.
  • Access to an online portal to assist you in day-to-day administration.
  • An option for members to continue saving for their retirement after they leave your company.

Talk to your Adviser
or call AMP@Work on

0800 267 967

Monday to Friday
8.30am - 5:00pm

A financial Adviser will work with you to understand the needs of your business. Adviser service fees may apply, and employers who take up the option may be subject to these fees. To see the current member fees, download the latest NZRT Product Disclosure Statement and NZRT Fund Update Booklet.

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Help your employees save

We will work with you to design your employer plan, including its specific features and rules. You can choose:

The investment strategies - Choose from various fund options or offer the Lifesteps Investment Programme.

How contributions work - You can set up rules around how much goes into NZRT each pay cycle.

Control over ‘vesting’ - You can decide if you wish to have a vesting schedule to determine over what timeframe your employer contributions will vest in your employees.


Why AMP for Workplace Savings?

Today, more people belong to the NZRT than any other employer-sponsored Workplace Savings scheme in New Zealand.

We have extensive experience helping New Zealand employers design and implement employee benefits programmes. We've helped employers manage the governance and administrative burden of over 600 standalone plans by transitioning them to a superannuation scheme master trust.

Our experienced fund managers will manage your employees’ money and help maximise their savings.


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As part of your employer plan, you can offer the Lifesteps Investment Programme (Lifesteps) which automatically allocates savings to the fund that matches the member’s age over time. This means their savings are invested in the most appropriate fund for a typical investor of the member’s age.

We’ve found when the member is younger, they can generally accept more unpredictable investment returns, in exchange for the potential to earn greater returns long term. However, as they get older, they have less time to recover any losses before needing their retirement savings.

Lifesteps aims to automatically reduce the potential for investment fluctuations as the member gets older.

Below are the investment options which you can choose as part of your NZRT plan. Your Adviser will work with you and your employees to achieve the best investment outcome.

With the ability to choose up to seven separate funds we have options for everyone.

Diversified funds Goal-based funds Single Sector funds
AMP Aggressive Fund AMP Global Multi-Asset Fund AMP Cash Fund
AMP Growth Fund AMP Income Generator Fund AMP New Zealand Fixed Interest Fund
AMP Balanced Fund   AMP International Fixed Interest Fund
AMP Moderate Balanced Fund   AMP Australasian Shares Fund
AMP Moderate Fund   AMP International Shares Fund
AMP Conservative Fund   AMP Passive International Shares Fund
AMP Capital Assured Fund   AMP Property Fund
ANZ Conservative Fund    
Nikko AM Conservative Fund    
ASB Moderate Fund    
AMP Responsible Investment Balanced Fund    
ANZ Balanced Growth Fund    
ASB Balanced Fund    
Mercer Balanced Fund    
Nikko AM Balanced Fund    
ANZ Growth Fund    
ASB Growth Fund    
Nikko AM Growth Fund    
AMP Global Multi-Asset Fund
AMP Global Multi-Asset Fund

*From 25 June 2018 Mercer (N.Z.) Limited will replace Fisher Funds Management Limited as the underlying fund manager. At this time the assets of the fund will begin to transition to Mercer and the fund will be renamed the Mercer Balanced Fund.


Get started

To find out how NZRT might look in your workplace contact us today on 0800 800 267. Or download the NZRT Product Disclosure Statement and NZRT Fund Update Booklet for more information.

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Important information

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AMP Wealth Management New Zealand Limited is the manager and issuer of the New Zealand Retirement Trust (NZRT).  The Supervisor is the New Zealand Guardan Trust Company Limited.

While care has been taken to supply information on this website that is accurate, no entity or person gives any warranty of reliability or accuracy, or accepts any responsibility arising in any way including from any error or omission.

Download a copy of the NZRT Product Disclosure Statement and NZRT Fund Update Booklet for more information.