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Your first home

Once you've been a member of KiwiSaver for 3 years you may be able to withdraw most of your KiwiSaver savings to put towards purchasing your first home.

How much can you withdraw?

You can use up to the full balance of your KiwiSaver account except for:

  • a minimum of $1,000 that you leave in your account;
  • any funds transferred from an Australian superannuation scheme (less returns/losses); and
  • any Government contributions received when you weren't resident in New Zealand
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Withdrawal

You can generally take money out of your KiwiSaver account when you reach 65.

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Risks

Different fund suits different investors, depending on how long you want to invest and your willingness to take investment risks to potentially receive higher long term returns.

Lower risk investments typically provide more consistent, yet usually lower, returns. A higher risk generally means higher returns over time, but with more ups and downs along the way and a greater possibility of a large negative return over a short time frame.

This fund might be right for you:

AMP Aggressive Fund

The fund aims to achieve high returns, to do that there will be some big ups and downs in the value of your balance.

Minimum suggested investment timeframe 10 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 8.96%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

Through this Fund Selector tool, AMP Services (NZ) Limited (FSP38082) ("AMP NZ") will provide advice to you in relation to the AMP KiwiSaver Scheme.

Our advice is limited to funds within AMP KiwiSaver Scheme, which are managed by AMP Wealth Management New Zealand Limited, and is generated through an algorithm which only considers your responses to the questions that we have asked.

AMP NZ is a related company of AMP Wealth Management New Zealand Limited, the issuer and manager of the AMP KiwiSaver Scheme.

You will not be charged for the financial advice that we provide to you through this tool.

Information about AMP NZ's complaints process, dispute resolution scheme and duties under the Financial Markets Conduct Act 2013 are available on our website: https://amp.co.nz/nz/sa/advice-disclosure.

If you need any further information, please get in touch with us here

AMP Balanced Fund

The fund aims to achieve medium returns in exchange there will be some movements up and down in the value of your investments.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 5.96%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

Through this Fund Selector tool, AMP Services (NZ) Limited (FSP38082) ("AMP NZ") will provide advice to you in relation to the AMP KiwiSaver Scheme.

Our advice is limited to funds within AMP KiwiSaver Scheme, which are managed by AMP Wealth Management New Zealand Limited, and is generated through an algorithm which only considers your responses to the questions that we have asked.

AMP NZ is a related company of AMP Wealth Management New Zealand Limited, the issuer and manager of the AMP KiwiSaver Scheme.

You will not be charged for the financial advice that we provide to you through this tool.

Information about AMP NZ's complaints process, dispute resolution scheme and duties under the Financial Markets Conduct Act 2013 are available on our website: https://amp.co.nz/nz/sa/advice-disclosure.

If you need any further information, please get in touch with us here

AMP Conservative Fund

The fund aims to achieve modest to medium returns, in exchange there may be small up and down movements in the value of your balance.

Minimum suggested investment timeframe 2 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 2.67%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

Through this Fund Selector tool, AMP Services (NZ) Limited (FSP38082) ("AMP NZ") will provide advice to you in relation to the AMP KiwiSaver Scheme.

Our advice is limited to funds within AMP KiwiSaver Scheme, which are managed by AMP Wealth Management New Zealand Limited, and is generated through an algorithm which only considers your responses to the questions that we have asked.

AMP NZ is a related company of AMP Wealth Management New Zealand Limited, the issuer and manager of the AMP KiwiSaver Scheme.

You will not be charged for the financial advice that we provide to you through this tool.

Information about AMP NZ's complaints process, dispute resolution scheme and duties under the Financial Markets Conduct Act 2013 are available on our website: https://amp.co.nz/nz/sa/advice-disclosure.

If you need any further information, please get in touch with us here

AMP Growth Fund

The fund aims to achieve medium to high returns, to do that there will be some moderate to big ups and downs in the value of your balance.

Minimum suggested investment timeframe 7 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 7.98%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

Through this Fund Selector tool, AMP Services (NZ) Limited (FSP38082) ("AMP NZ") will provide advice to you in relation to the AMP KiwiSaver Scheme.

Our advice is limited to funds within AMP KiwiSaver Scheme, which are managed by AMP Wealth Management New Zealand Limited, and is generated through an algorithm which only considers your responses to the questions that we have asked.

AMP NZ is a related company of AMP Wealth Management New Zealand Limited, the issuer and manager of the AMP KiwiSaver Scheme.

You will not be charged for the financial advice that we provide to you through this tool.

Information about AMP NZ's complaints process, dispute resolution scheme and duties under the Financial Markets Conduct Act 2013 are available on our website: https://amp.co.nz/nz/sa/advice-disclosure.

If you need any further information, please get in touch with us here

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AMP Lifesteps

Lifesteps makes it easy - automatically moving your savings into the fund that best matches your age.

Growth assets

Such as shares, property, infrastructure.

Income assets

Such as fixed interest, cash.

Lifesteps

Touch image to magnify

About Lifesteps
Lifesteps makes it easy. Lifesteps automatically puts your savings into the fund that best matches your age, so you don't have to worry about changing funds as you get older.
When you're younger, you can generally accept more unpredictable investment returns, in exchange for the potential to earn greater returns over the long term. However, as you get older you have less time to recover any losses before needing your retirement savings. Lifesteps aims to reduce the potential for investment losses as you age.
Lifesteps does not take personal circumstances into account, such as saving for a first home, so may not be right for everyone.
Sustainable investing
Lifesteps funds are:
  • Nuclear free
  • No controversial weapons
  • No civilian firearm production
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
See the AMP Sustainable Investment Philosophy for more information.

Choose how your money is invested.

Pick a mix of up to seven funds.

View all
Growth
Balanced
Conservative

The fund aims to achieve high returns, to do that there will be some big ups and downs in the value of your balance.

Minimum suggested investment timeframe 10 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 8.96%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to shares of companies located in New Zealand and Australia.

Minimum suggested investment timeframe 10 years
Member fee $23.40
Annual fund charges 0.77%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 4.87%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns in exchange there will be some movements up and down in the value of your investments.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 5.96%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns in exchange there will be some movements up and down in the value of your investments.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 6.56%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest and stable returns, in exchange there should be no significant short-term movements in the value of your balance.

Minimum suggested investment timeframe 1 years
Member fee $23.40
Annual fund charges 0.57%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 2.61%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest to medium returns, in exchange there may be small up and down movements in the value of your balance.

Minimum suggested investment timeframe 2 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 2.67%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to primarily preserve the value of your investment with some capital growth by investing in fixed interest securities issues in bond markets around the world (which may include NZ bond markets).

Minimum suggested investment timeframe 3 years
Member fee $23.40
Annual fund charges 0.77%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 -1.13%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium to high returns, to do that there will be some moderate to big ups and downs in the value of your balance.

Minimum suggested investment timeframe 7 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 7.98%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to equities of companies listed on stock exchanges around the world.

Minimum suggested investment timeframe 10 years
Member fee $23.40
Annual fund charges 0.76%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 13.07%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve long term capital growth through exposure to equities of companies listed on stock exchanges around the world.

Minimum suggested investment timeframe 10 years
Member fee $23.40
Annual fund charges 0.76%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 13.23%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve medium returns, to do that there will be some moderate ups and downs in the value of your balance.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 4.81%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve modest to medium returns, in exchange there may be small movements up and down in the value of your balance.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 0.79%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 3.79%

Sustainable investing

This fund is:
  • Nuclear free
  • No tobacco production
  • No palm oil manufacturing
  • No oil and gas drilling
  • No coal mining
  • No controversial weapons
  • No civilian firearm production
See the AMP Sustainable Investment Philosophy for more information.

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to primarily preserve the value of investment with some capital growth by investing predominantly in New Zealand fixed interest assets.

Minimum suggested investment timeframe 3 years
Member fee $23.40
Annual fund charges 0.78%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 -1.45%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve total returns consistent with a Balanced Growth investor profile over the medium to long term.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 1.09%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 6.10%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve total returns consistent with a Conservative investor profile over the medium to long term.

Minimum suggested investment timeframe 2 years
Member fee $23.40
Annual fund charges 0.99%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 2.10%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve total returns consistent with a Growth investor profile over the medium to long term.

Minimum suggested investment timeframe 7 years
Member fee $23.40
Annual fund charges 1.14%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 7.40%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to achieve enhanced longer term returns from the 60% benchmark allocation to growth assets.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 1.2%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 5.54%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund’s objective is to provide annual returns of 10% after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of seven years. It is a diversified fund that primarily invests in equities, with a moderate allocation to fixed interest securities.

Minimum suggested investment timeframe 7 years
Member fee $23.40
Annual fund charges 1.64%
Average 5- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund’s objective is to maximise capital growth after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of ten years. It primarily invests in international equities, with a moderate allocation to Australasian equities.

Minimum suggested investment timeframe 10 years
Member fee $23.40
Annual fund charges 1.49%
Average 5- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund’s objective is to provide capital growth after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of five years. It is a diversified fund that primarily invests in equities, with a significant allocation to fixed interest securities.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 1.35%
Average 5- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund’s objective is to provide moderate returns and protect capital returns after fees, but before tax, cost and expenses, over the minimum recommended investment timeframe of three years. It is a diversified fund that primarily invests in fixed interest securities, with a moderate allocation to equities.

Minimum suggested investment timeframe 3 years
Member fee $23.40
Annual fund charges 1.24%
Average 5- return (after fees, but before tax)*
 NA

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide moderate to high total returns with a negative return expected less than one in every five years.

Minimum suggested investment timeframe 4 years
Member fee $23.40
Annual fund charges 1.05%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 5.58%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide high total returns with a negative return expected less than one in every four years.

Minimum suggested investment timeframe 7 years
Member fee $23.40
Annual fund charges 1.1%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 7.53%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.

The fund aims to provide moderate returns with a negative return expected less than one in every seven years.

Minimum suggested investment timeframe 2 years
Member fee $23.40
Annual fund charges 1.0%
Average 5-Years return (after fees, but before tax)*
*as at 31 May 2025 3.24%

Investment risk

Potentially lower returns Potentially higher returns
1 2 3 4 5 6 7
Lower risk Higher risk
Higher risk generally means higher potential returns, but more ups and downs along the way.
Please select at least one fund

Choose how your money is invested.

Set the proportion of your money you would like to invest in each fund.

    0%
    Total percentage must add up to 100%