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Ways to use KiwiSaver

Your savings can be used in a number of different ways

While KiwiSaver is designed to help you save for your retirement, it’s flexible enough to keep up with other changes that happen in your life. You can make withdrawals when you reach your qualifying date, however, you may also have other opportunities to use your savings before you retire. 

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Keep track of your money

Our online portals, My AMP and My AMP app, make it easy and convenient to keep track of the balance of your AMP KiwiSaver Scheme account. My AMP also lets you keep your personal details up to date, update direct debit contributions and switch investment funds.

Depending on how you decide to contribute, you may be able to:

  • receive an annual Member Tax Credit
  • receive employer contributions, and
  • choose to make regular voluntary contributions.

Then watch how your savings perform over time through our secure online portals, My AMP and My AMP app.

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Buying your first home

If you’re ready to buy your first home, or the land to build your future home on, you might qualify to use your KiwiSaver savings (but you will have to leave at least $1,000 in your KiwiSaver account) to help you with your first purchase.

You’ll need to meet certain criteria to be eligible to use your funds to purchase your first home (or land), including that:

  • you’ve never owned a property before (including land): and
  • three years or more have passed since the Inland Revenue received your first KiwiSaver contribution.

Using KiwiSaver to buy your first home

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Take a break from contributing

If you’re an employee, and have been a member of KiwiSaver for 12 months, you can take a holiday from contributing to your AMP KiwiSaver Scheme account. You could either take:

  • a ‘contributions holiday’ – if you’ve been a member for 12 months or more
  • an ‘early contributions holiday’ – If you’ve been a member for less than 12 months, and are experiencing financial difficulty.

It’s important to note that if you do stop contributing you may miss out on benefits such as employer contributions and member tax credits. To find out more or apply for a ‘contributions holiday’, you can contact Inland Revenue on 0800 549 472.

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You will qualify for a withdrawal from KiwiSaver on the later of these dates:

  • your 65th birthday, when you qualify for New Zealand Superannuation
  • five years after you joined KiwiSaver or, if you transferred from a complying fund, five years after you joined that scheme.

You’ll then have access to your savings and can choose to:

  • leave your savings in your current scheme and switch your investment funds to match your new goals
  • withdraw some or all of your savings ($1,000 minimum) under the AMP KiwiSaver Scheme
  • set up a regular withdrawal ($50 minimum under the AMP KiwiSaver Scheme, available fortnightly, monthly or quarterly).

Find out more

KiwiSaver is designed to help you save for retirement. However, in some situations you may be able to withdraw funds from your AMP KiwiSaver Scheme account before your qualifying date. If you meet the criteria, this might apply to you in the case of:

  • purchase of a first home
  • significant financial hardship
  • serious illness
  • death
  • permanent emigration (not to Australia)
  • withdrawal of Australian retirement savings (from age 60 provided you have retired under Australian law).

The Inland Revenue has some rules about how this works and which types of contributions you can withdraw.

Find out more by downloading our AMP KiwiSaver Scheme Product Disclosure Statement.

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Find out more about the AMP KiwiSaver Scheme

You have investment options when it comes to KiwiSaver

Learn more

Learn the basics of KiwiSaver

There are a few ways to contribute to KiwiSaver

Find out more
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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

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.