Unlike a bank savings account where you set money aside, in KiwiSaver you buy things that have value, like shares in a company. KiwiSaver members choose which type of fund or funds they put their money into. Some are considered higher risk, but often deliver higher returns over the long term. Others are considered lower risk, but usually deliver more consistent returns.
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. It's not time to make a hasty decision. The secret to grow your KiwiSaver is to be in the fund or funds that suits your needs and make regular contributions.
Whether you’re new to KiwiSaver or an experienced investor, our expanded range of 28 investment options gives you more control and greater flexibility, without any additional fees. You can choose to split your investment across up to seven funds and you can change those selections at any time.
When deciding on what type of fund to choose, its best to start with thinking about what kind of journey you want to take and what you want your destination to look like when you get there. The more risk you are comfortable taking on, the higher the possible return.
Learn more about which fund to choose:
Working with a Financial Adviser is a great way to keep on top of your KiwiSaver savings plan. An Adviser can see how your plan is working (or not) for you, and make some suggested changes, if needed. You can also undertake a regular review with your Adviser to make sure your plan is still relevant and meets your changing needs - from the kids leaving home to your retirement. To find an Adviser to help you with your financial planning, contact us on firstname.lastname@example.org and we’ll get you started.
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.
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.