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Make my money work for me

There are many ways to be smart with money

Saving your money

It often seems like the more we have and earn, the more we spend. Then you end up having as little savings as you did when you were earning much less.

A good way to save is to put some money into a separate savings account as soon as you’ve been paid. Don’t give yourself the chance to spend it, transfer it straight away. Better yet, set up a direct debit from your regular account (the one your income gets paid into) to a savings account.

Investing your money wisely

Making your hard-earned money work for you is the key to sound investing. You need to invest in a way that gives you the best possible chance of achieving your financial goals.

All investments have different levels of risk and return associated with them. You could choose options that are higher risk, but potentially have faster returns, or longer term, more conservative investments. Another option could be to diversify, and have a mixture of both - so you don’t have all of your eggs in one basket.

There are a number of different ways you can invest your savings, including:

  • term deposits
  • shares and bonds
  • property
  • through a private managed fund, or 
  • KiwiSaver - New Zealand government savings initiative.

We recommend before you decide that you do some research - either on your own or using an independent Adviser, and compare and contrast all of the options to see which one works best for you.

Before you choose to invest we recommend you get professional advice from an Authorised Financial Adviser (AFA) to ensure that your investment choices match your financial goals and risk appetite.

Once you decide on an investment option be sure to read all accompanying documentation, such as the product disclosure statement and fund update booklet, relating to the investment you’re considering. This will ensure you’re well aware of all pros and cons surrounding the investment you’re making.

Investing in KiwiSaver

KiwiSaver is New Zealand’s most popular voluntary work-based savings initiative, set up by the government to help Kiwis save for retirement. It offers a number of great benefits, which change from time to time. These potentially include:

  • an annual Government contribution of 50 cents for every dollar you save, up to a maximum of $521.43 per year (if eligible) 
  • compulsory contributions from your employer 
  • flexibility to respond to changes in your situation
  • the option to contribute regularly or in lump sums
  • help with buying your first home.

Generally, KiwiSaver can only be accessed when you retire, however there are a number of ways to access your savings before that date if you’re eligible.

Find out more about how you can use KiwiSaver.

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Find an Adviser to get expert advice tailored to your needs

Understand more about investments

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Find out more about the AMP KiwiSaver Scheme

Save for your retirement with KiwiSaver

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Important information

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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

The content provided is intended to be used as information only and does not constitute financial advice. Before acting on any of the results provided, we recommend that you seek advice which takes your individual circumstances into account.