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Accelerate your KiwiSaver adventure

Making the most of your savings

Life is an adventure - whether you’re saving for your first home or your retirement, there are many paths you can take.

You also have a few options to accelerate your journey from choosing the right fund to suit your financial goals to how much money you put towards your KiwiSaver savings.

You can play with our new KiwiSaver calculator to see where your adventure is taking you.

Choosing the right path

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.

Then there is the question of which fund or funds match your savings personality. Would you prefer choosing your own mix of funds or to ‘set and forget’ like AMP’s Lifesteps Investment Programme (Lifesteps).

If you were automatically enrolled in our AMP Default Fund by Inland Revenue, feel free to wander around and have a look into other paths available as there might be better funds suited for your journey.

Try the fund selector

Fuelling your adventure

Putting money into your KiwiSaver account is like fuelling your body or car for an adventure – the more you put in, the further you will go.
The amount you contribute via your salary is up to you to decide – whether its 3%, 4% or 8%. A little extra now can make a significant difference to what you have when you reach your destination.

You can also lift your savings by making a one off deposit when you come in to some extra money. Think of it as investing in a spare tank of fuel in your boot to get you closer to your destination.

Fuel your future and top up or increase the amount you contribute by talking to your employer.

Top up now

Is your backpack too heavy?

Just like you pay tax on the wages or salary you earn, you also need to pay tax on the income you receive on investments such as the AMP KiwiSaver Scheme.

With KiwiSaver, the rate of tax you pay is called a Prescribed Investor Rate (PIR) and the rate is largely determined by how much you earn. The current tax rates for KiwiSaver are 28%, 17.5% and 10.5%. It's a good idea to check you are using the right PIR as paying tax using the wrong tax rate is like carrying the wrong size hiking pack - you're either carrying too little or too much.

To ensure you are carrying the right load, use our simple PIR guide.

View the PIR guide

The Lifesteps Investment Programme (Lifesteps) automatically allocates savings to the fund that matches your age over time. This means your savings are invested in the most appropriate fund for a typical investor your age.

When you’re younger, you can generally accept more unpredictable investment returns, in exchange for the potential to earn greater returns over the long term.

However, as you get older you have less time to recover any losses before needing your retirement savings. Lifesteps aims to reduce the potential for investment losses as you age.

There are a few different ways you can contribute to your savings with the AMP KiwiSaver Scheme. These can include:

  • deductions from your pay (via PAYE)
  • regular payments via direct debit
  • lump-sum payments via internet banking direct to AMP or via Inland Revenue.

For PAYE payments you’ll need to select how much of your gross salary or wages to contribute: 3%, 4% or 8%. If you don’t let your employer know, your default rate will be 3%.

Your employer will make deductions at the rate you choose. You may want to check that you are contributing at least $20 a week to ensure that you are contributing enough to get the maximum Member Tax Credit each year.

Find out more about contributing to KiwiSaver.

There are a few different ways you can contribute to your savings with KiwiSaver. These can include: •	deductions from your pay (via PAYE) •	regular payments via direct debit [link to direct debit form] •	lump-sum payments via internet banking direct to AMP or via Inland Revenue.  For PAYE payments you’ll need to select how much of your gross salary or wages to contribute: 3%, 4% or 8%. If you don’t let your employer know, your default rate will be 3%.  Your employer will make deductions at the rate you choose. You may want to check that you are contributing at least $20 a week to ensure that you are contributing enough to get the maximum Member Tax Credit each year.  Find out more [Link to: Contributing to your AMP KiwiSaver Scheme]

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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 companiesoffice.govt.nz/disclose.

While care has been taken to supply information on this website 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.

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