Strong returns & low fees
Your future deserves better than average
AMP Aggressive
Fund
13.4%
returns over 3 years p.a.
vs industry average 12.0% p.a.*Minimum suggested investment
timeframe: 10 years.
See more about this fund
AMP Growth
Fund
12.1%
returns over 3 years p.a.
vs industry average 9.6% p.a.*Minimum suggested investment timeframe: 7 years.
See more about this fund
AMP Balanced
Fund no.2
10.0%
returns over 3 years p.a.
vs industry average 8.9% p.a.*Minimum suggested investment timeframe: 4 years.
See more about this fund
Working hard for you
Strong returns and low fees can make a real difference to your KiwiSaver savings. That’s why we focus on keeping more of your money invested and working for you over time, along with flexible investment options, including AMP‑named funds and selected third‑party choices to suit your goals and comfort with risk.
Expert help when you want it
AMP KiwiSaver Scheme members can access free expert guidance in the way that suits them. Our New Zealand‑based team of financial advisers is available by phone, email, or through an appointment.
Call: 0800 267 5494
Email: kiwisaver@amp.co.nz
or book a time that suits you
Stay connected to
your future
When you join the AMP KiwiSaver Scheme, you get access to the MyAMP app, making it simple to stay connected to your account anytime, anywhere. Find out more about MyAMP.
First time logging in or forgotten your password? Click here
FAQS
What is the 3-year rule for KiwiSaver?
While KiwiSaver acts primarily as a retirement fund, you can also use your savings to help fund the purchase of your first home. The three-year rule states that you must be in KiwiSaver for at least three years before withdrawing funds for your first home. After the three-year mark, you can withdraw your contributions and your employer's contributions for this purpose.
What age do you get KiwiSaver?
You can join KiwiSaver at any age – there is no minimum. That said, 17-year-olds and under must have the consent of at least one legal guardian, and cannot enrol themselves.
Once you join KiwiSaver you can begin to grow your savings through bank deposits and personal contributions through work (the default is 3.5% of your income, but you can choose to contribute above that figure). Employer contributions are not compulsory until you turn 18, at which point employers are required to contribute 3.5%.
How to check my KiwiSaver balance?
If you live in New Zealand and are a KiwiSaver member, you can check your balance through Inland Revenue or your KiwiSaver scheme provider – in the case of AMP, through the MyAMP app and AMP’s online portal.
Try our KiwiSaver calculator
Whether you’re saving for your first home or a comfortable retirement, our KiwiSaver calculator can help you to maximise your savings and plan out your journey.
KiwiSaver and your first home
Are you eligible to use KiwiSaver for your first home purchase? Here's an easy checklist to help you find out.
How much money do I need in retirement?
Discover how much you might need for retirement based on your lifestyle and get tips to boost your savings for a comfortable retirement.
Important Information
*Source: Morningstar KiwiSaver 360 Quarterly report as at 31 March 2026. All returns shown are before tax and after fees (except any membership fees charged in dollars, AMP charges $23.40p.a.). Past performance is not indicative of future performance. Investing involves risk. No person or entity guarantees the performance or any investment of the AMP KiwiSaver Scheme, AMP Managed Funds, or New Zealand Retirement Trust (“NZRT”), including the returns on that investment. The minimum suggested investment timeframe for the AMP KiwiSaver Scheme Growth Fund, Aggressive Fund and Balanced Fund no.2 is more than 3 years.