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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
If you're unsure, simply calculate it now so you pay the right amount of tax
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.
Sustainable investing
Investment risk
The fund aims to achieve medium returns in exchange there will be some movements up and down in the value of your investments.
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.
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.
The fund aims to achieve long term capital growth through exposure to shares of companies located in New Zealand and Australia.
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.
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).
The fund aims to achieve long term capital growth through exposure to equities of companies listed on stock exchanges around the world.
The fund aims to achieve medium returns, to do that there will be some moderate ups and downs in the value of your balance.
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.
The fund aims to primarily preserve the value of investment with some capital growth by investing predominantly in New Zealand fixed interest assets.
The fund aims to achieve total returns consistent with a Balanced Growth investor profile over the medium to long term.
The fund aims to achieve total returns consistent with a Conservative investor profile over the medium to long term.
The fund aims to achieve total returns consistent with a Growth investor profile over the medium to long term.
The fund aims to achieve enhanced longer term returns from the 60% benchmark allocation to growth assets.
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.
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.
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.
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.
The fund aims to provide moderate to high total returns with a negative return expected less than one in every five years.
The fund aims to provide high total returns with a negative return expected less than one in every four years.
The fund aims to provide moderate returns with a negative return expected less than one in every seven years.
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.
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