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AMP KiwiSaver Scheme

How KiwiSaver works

Find out how KiwiSaver works, the benefits of joining and when you can use your savings

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Why choose the AMP KiwiSaver Scheme?

We can help you reach your big goals in life, whether that's buying your first home or saving for a comfortable retirement.
We're here to help when you need it.

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Proven investment knowledge and expertise

We are experts in KiwiSaver and Investments, it’s what we do. We are New Zealand's largest non-bank KiwiSaver provider and we've been a KiwiSaver provider since it started.

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Helpful guidance

We’re here to help guide you on your KiwiSaver adventure. From articles explaining how KiwiSaver works, tips on making KiwiSaver work for you, and easy to use tools and calculators to help you figure out how long your KiwiSaver savings will last in retirement or which fund to be in.

Convenience and control

It takes two minutes to join (we’ll do the rest). Once you’re a customer you can track and manage your KiwiSaver savings online, anytime, anywhere – all through the MyAMP Online and MyAMP Mobile.

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Invest responsibly

AMP applies responsible investing criteria to all of our KiwiSaver funds.

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Last year (2019) the AMP KiwiSaver Scheme had returns ranging from 9.27% in the AMP Conservative Fund to 22.26% in the AMP Aggressive Fund after fees and before tax. Remembering that past performance doesn’t guarantee future performance.



As a member of the AMP KiwiSaver Scheme you pay a monthly member fee of $1.95 as well as management and administration fees, costs and expenses (which vary depending on the fund/s you choose). To see what this means for each fund, read Fees and Other Charges.

KiwiSaver deal

Join the AMP KiwiSaver Scheme and get your 2020 member and admin fees back.

Terms and Conditions and other fees apply.

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Keep you in the loop

As a client you can expect to see regular communication from AMP about your KiwiSaver account, you can keep track of and change your investments in MyAMP Online and MyAMP Mobile, and know you’re working with a company determined to help.

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How an adviser can help

Using an adviser has some great benefits, from helping you reach your financial goals to future-proofing your finances.

It can be a bit daunting changing KiwiSaver providers.

If you are thinking about changing, here are a few tips we can give you.  

•    The first question you should ask yourself is: “When am I going to need my money?” For most of us KiwiSaver is a long game. The secret to grow your KiwiSaver balance is to be in the fund or funds with the provider that suits your needs.
•    When it comes to choosing the fund or funds with a new KiwiSaver provider, take a look at the features that are offered to you. KiwiSaver members choose which type of fund or funds they put their money into. Some funds are considered higher risk, which generally means higher potential returns over time, but with more ups and downs along the way and a great possibility of a negative return. Others are considered lower risk, which typically deliver more consistent returns yet lower returns. it’s important to be in a fund with a provider that suits your needs. Find out more about Funds.
•    It’s more than just about the fees and returns.  It’s also worth checking out the online tools, mobile apps, advice and regular communication updates you might get from a different KiwiSaver provider.
•    Seeking financial advice is a great way to keep on top of your KiwiSaver savings plan, particularly if you are thinking about changing providers. By getting advice you will find out - how your plan is working (or not) for you, and make some suggested changes, if needed. For any questions or to get advice with your financial planning, call us on 0800 267 5494.

What other people say about us

“I was very satisfied with all my communications with AMP and the way they helped when I needed it.”
– Jill, Paraparaumu, 8/4/20

“Been with AMP since I was 21 , always great service and advice.”
– Patricia, Auckland, 8/4/20
Important information

SuperRating's methodology seeks to cover over 350 individual parts of a KiwiSaver Scheme's offering. AMP is rated gold, a good value for money KiwiSaver Scheme. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to www.superratings.com.au for details of its ratings criteria.

Canstar is Australasia's leading financial research and ratings company that has been around for over 25 years. Canstar evaluates products available to consumers from financial institutions like banking, insurance and Kiwisaver. Their expert researchers analyse every product by comparing prices and features to determine what represents outstanding value. Those products that meet their strict criteria are assigned a value-based star rating.
AMP has been rated with the Canstar 2019 Outstanding Value 5-Star Rating - Conservative KiwiSaver.

AMP Wealth Management New Zealand Limited is the issuer and manager of the AMP KiwiSaver Scheme (the 'Scheme'). The Supervisor of the Scheme is The New Zealand Guardian Trust Company Limited.
For more information, download a copy of the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet, which have been lodged on the Scheme's offers register entry at companiesoffice.govt.nz/disclose.

While care has been taken to supply information on this website and within the chatbot tool 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. The content provided is intended to be used as information only and does not constitute personalised advice. Before acting on any of the results provided, we recommend that you seek advice which takes your individual circumstances into account.
A disclosure statement is available from your Adviser, on request and free of charge.

AMP Services (NZ) Limited is a Qualifying Financial Entity (QFE) meaning it is regulated by the Financial Markets Authority and takes responsibility for the financial Adviser services provided by its employee advisers. AdviceFirst is a Qualifying Financial Entity (QFE) and all AdviceFirst Advisers are nominated representatives of the AdviceFirst QFE.