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Ways to use KiwiSaver


Flexible enough to keep up with changes that happen in your life.

While KiwiSaver is designed to help you save for your retirement, it’s flexible enough to keep up with other changes that happen in your life.


You can make withdrawals when you reach your qualifying date. However, you may also have other opportunities to use your savings before you retire.

Keep track of your money


Our online portals, My AMP and My AMP app, make it easy and convenient to keep track of the balance of your AMP KiwiSaver Scheme account. My AMP also lets you keep your personal details up to date, update direct debit contributions and switch investment funds.

Depending on how you decide to contribute, you may be able to:
• receive an annual Government contribution
• receive employer contributions, and
• choose to make regular voluntary contributions

Then watch how your savings perform over time through our secure online portals, My AMP and My AMP app.

Buying your first home

If you’re ready to buy your first home, or the land to build your future home on, you might qualify to use your KiwiSaver savings (but you will have to leave at least $1,000 in your KiwiSaver account) to help you with your first purchase.

You’ll need to meet certain criteria to be eligible to use your funds to purchase your first home (or land), including that:
• you’ve never owned a property before (including land): and
• three years or more have passed since the Inland Revenue received your first KiwiSaver contribution.

Using KiwiSaver to buy your first home

Take a break from contributing


If you’re an employee, and have been a member of KiwiSaver for 12 months, you can take a break from contributing to your AMP KiwiSaver Scheme account. You could either take:
• a ‘savings suspension’ – if you’ve been a member for 12 months or more
• an ‘early savings suspension’ – If you’ve been a member for less than 12 months, and are experiencing financial difficulty

It’s important to note that if you do stop contributing you may miss out on benefits such as employer contributions and Government contributions. To find out more or apply for a ‘savings suspension’, you can contact Inland Revenue on 0800 549 472.

When do you qualify to make a withdrawal from KiwiSaver?

You qualify to make a withdrawal from KiwiSaver on your qualifying date. This is the qualifying age for New Zealand Superannuation (currently age 65); unless you joined KiwiSaver (or a complying superannuation fund) before 1 July 2019 then it's the later of:
- The qualifying age for New Zealand Superannuation (currently age 65);
- 5 years after you first joined KiwiSaver (or a complying superannuation fund if you transferred to KiwiSaver from one); or
- 5 years after Inland Revenue received your/your employer's first contribution.
However, if you have not reached your qualifying date and you are over 65 you can choose to bring your qualifying date forward but you will lose eligibility for government and employer contributions from that date.

Making a request for early withdrawal

KiwiSaver is designed to help you save for retirement. However, in some situations you may be able to withdraw funds from your AMP KiwiSaver Scheme account before your qualifying date. If you meet the criteria, this might apply to you in the case of:

The Inland Revenue has some rules about how this works and which types of contributions you can withdraw.

Find out more by downloading our AMP KiwiSaver Scheme Product Disclosure Statement.

Important information

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.