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AMP KiwiSaver Scheme

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How KiwiSaver works

KiwiSaver is a voluntary savings initiative set up by the government and designed to help New Zealanders save for their retirement. It can also help you buy your first home.
  • You can join KiwiSaver if you are a New Zealand citizen (or if you’re entitled to live in New Zealand indefinitely) and you normally live in New Zealand
  • If you are working, your employer has to contribute at least 3% of your gross salary.
  • You can choose to contribute between 3% and 10% of your gross salary or wages, and you can also make lump sum deposits
  • If you’ve worked in Australia, you can transfer your superannuation scheme into KiwiSaver

Which fund is right for me?

Whether you’re new to KiwiSaver or a sophisticated investor, we’ve got the right choice for you. Use this calculator to work out which AMP KiwiSaver Scheme Funds are likely to suit you, and your savings goals.

Use our Fund Selector calculator >
Use our calculator to help map out your first home or retirement adventure >

Why choose the AMP KiwiSaver Scheme?

  • We are New Zealand's largest non-bank investment and insurance company, we've been a KiwiSaver scheme provider since KiwiSaver started and are still one of the government appointed KiwiSaver default providers
  • You can learn about ways to grow your savings with our helpful and easy-to-use tools and calculators 
  • We offer a large choice of investment funds and if you prefer someone else to manage your KiwiSaver savings AMP Lifesteps Investment programme may be a good option for you
  • You have access to AMP’s experienced NZ based advisers
  • It’s easy – join online and then use the My AMP app and web portal to monitor and top up your funds anywhere, anytime.

How do I join?

There are three ways to join:

  • Do it yourself, online – it only takes a few minutes - join now
  • Talking to one of AMP’s experienced advisers - request a visit
  • Through your employer

You can transfer to the AMP KiwiSaver Scheme from another KiwiSaver scheme provider by either signing up online or you can call us on 0800 267 5494.

What other people say about us


SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria.


AMP SuperRating's rating methodology seeks to cover over 350 individual pars of a KiwiSaver's Scheme's offering.

AMP is rated gold, a good value for money KiwiSaver scheme.

Canstar is Australasia's leading financial research and ratings company that has been around for over 25 years.  Canstar evaluate products available to consumers from financial institutions like banking, insurance and KiwiSaver. Their expert researchers analyse every product by comparing price and features to determine what represents outstanding value. Those products that meet up to their strict criteria are assigned a value-based star rating 

AMP has been rated with the Canstar 2019 Outstanding Value 5 Star Rating - Conservative KiwiSaver.

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

SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria.

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.

A disclosure statement is available from your Adviser, on request and free of charge.