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Join KiwiSaver

AMP KiwiSaver Scheme application form

Your details

Joining will only take a couple of minutes

You will need:

  • your IRD number
  • your NZ driver licence or passport


Please use your full name as shown on your ID.

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Tax/other details
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You are likely to find your IRD number on your payslip, any student loan letters, or by checking with your employer. You can also call the Inland Revenue on 0800 775 247 and say "What's my IRD number?" when prompted. To find out more, visit ird.govt.nz

PIR tax rate? (Prescribed Investor Rate)
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If you're unsure, simply calculate it now so you pay the right amount of tax

Are you employed?
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Investment choice


What would you like to invest in?

Set the proportion of your money you would like to invest in each investment option.
    100%
    Total percentage must add up to 100%

    Select up to seven investment options. You can change them at any time after you join.
    Unsure what to choose? Try our fund quiz.


    ×

    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 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    3.58%

    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 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    1.86%

    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 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    0.13%

    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 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    3.03%

    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.
    View all
    ×

    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 0.79%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    -0.22%

    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 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    1.82%

    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 0.58%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    2.77%

    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 0.79%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    -3.24%

    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 0.79%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    6.91%

    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 0.79%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    7.28%

    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 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    1.20%

    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 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    0.67%

    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 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 0.8%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    -3.59%

    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 1.22%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    1.46%

    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 1.65%
    Average 3-Months return (after fees, but before tax)*
    *as at 30 April 2024
    4.12%

    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 1.5%
    Average 3-Months return (after fees, but before tax)*
    *as at 30 April 2024
    5.73%

    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 5 years
    Member fee $23.40
    Annual fund charges 1.36%
    Average 3-Months return (after fees, but before tax)*
    *as at 30 April 2024
    3.18%

    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 1.25%
    Average 3-Months return (after fees, but before tax)*
    *as at 30 April 2024
    1.27%

    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 1.06%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    2.11%

    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 1.11%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    3.32%

    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 1.01%
    Average 3-Years return (after fees, but before tax)*
    *as at 30 April 2024
    0.59%

    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.
    ×

    Lifesteps is an investment plan that 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.

    The relevant funds and age ranges are set out below:

    • AMP Aggressive Fund (up to age 31)
    • AMP Growth Fund (ages 31-39)
    • AMP Balanced Fund (ages 40-47)
    • AMP Moderate Balanced Fund (ages 48-56)
    • AMP Moderate Fund (ages 57-64)
    • AMP Conservative Fund (age 65+)

    Lifesteps does not take personal circumstances into account, such as saving for a first home, so may not be right for everyone.

    How Lifesteps works

    Sustainable investing

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

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    You can use the following methods:

    • NZ driver licence
    • NZ passport
    Confirmation

    Please download and read the AMP KiwiSaver Scheme Product Disclosure Statements.

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