Make your KiwiSaver work as hard as you do

Here at AMP we're here to help you make every payday count towards your KiwiSaver goals - starting with some handy tips.

Tip 1: Set your goal

Saving for retirement - it seems we all know we should do it, but why does it seem so difficult to do? Watch this video on how to help turn your dreams into reality.

Tip 2: How are you tracking?

Use our calculator to see if your KiwiSaver is on track. Explore different fund types, career breaks, working part time, contributing, buying a home, or retiring early.

Tip 3: Choose the right fund

KiwiSaver is more than just a fancy savings account, it's a managed investment scheme which means you need to make sure you are in the best fund/s for you.

Subscribe for more tips and be in to win $1000

When you sign up for our KiwiSaver emails:
* you'll get tips to get your KiwiSaver money working harder
* they'll arrive in your inbox and
* you'll be in to win $1000!

T&Cs apply.

More helpful guides and tips


Read the 6 rules you need to know about using KiwiSaver to buy your first home.

It's a quick guide to check if you can use KiwiSaver for your first home and some answers to popular questions about KiwiSaver and buying property. You can also check out the quiz, calculator, and more, all on our KiwiSaver First Home info page.

Worried about the recent market movements and what it means for your investments?

Read about what to do when markets fall, the upside of down markets, planning for your future, and what the experts say. You can also watch an explainer video from AMP CEO Blair Vernon about investing in 2022, all on our market volatility info page.

Is it too late for me to start investing in KiwiSaver?

If you’ve never been in the KiwiSaver scheme, you might be wondering whether you’ve missed the boat. Watch this 2019 video from our Chief Executive Blair who reveals why it’s never too late to get started.


Want to know more about the AMP KiwiSaver Scheme?
Important information

While care has been taken to ensure that the 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.
The information included on this website is of a general nature and does not constitute financial or other professional advice. Before taking any action, you should always seek financial advice or other professional advice relevant to your personal circumstances. For financial advice, we recommend you contact your Adviser. If you don’t have an Adviser, contact us on 0800 267 5494.

All forms of investment involve risk. None of AMP, The New Zealand Guardian Trust Company Limited or any other person or entity guarantees the performance of the AMP KiwiSaver Scheme or any investment in the AMP KiwiSaver Scheme (including returns on that investment). Past performance is not indicative of future performance. Returns over different periods may differ.

AMP Wealth Management New Zealand Limited is the issuer and manager of the AMP KiwiSaver Scheme.

For a copy of the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet, please visit or contact Customer Services on 0800 267 5494.

The Government makes an annual contribution (what is referred to in the video as ‘free money’) of 50 cents for each dollar you contribute up to a maximum of $521.43 a year to your KiwiSaver scheme account provided you are a contributing member aged 18 or over and have not yet reached your Qualifying Date. Qualifying Date means the date you qualify for New Zealand Superannuation (currently age 65); or if you joined after age 60, after five years’ membership of a KiwiSaver scheme or a complying superannuation fund. You will need to reside mainly in New Zealand unless you are a Government employee living overseas or you are volunteering (or working for token payment) for specified charitable organisations. The KiwiSaver Government contribution year runs from 1 July to 30 June. If you join a KiwiSaver scheme or turn 18 years old part-way through a KiwiSaver tax year (1 July to 30 June), you’ll receive the Government contribution on the number of days in the year you’ve been an eligible member. This may mean you might not receive the maximum $521.43.

The reference to minimum contributions which are less than a cup of coffee a day is a reference to the amount that you need to contribute in order to receive the full current Government contribution of $521.43.

The reference to having more than $30,000 in your account now if you had started contributing to a KiwiSaver account 12 years ago, at the outset of KiwiSaver, is an amount before tax, fees and returns, and is based on the following assumptions:
* That you and your employer contributed consistently for 12 years at the minimum rate (3%) and that your salary was no less than $34,762;
* That you received the Government kickstart of $1,000 (the Government kickstart was removed in 2015 and is no longer available to new joiners);
* That you received the full Government contribution for each of the 12 years since you joined KiwiSaver, with the Government contribution for the first four years being at a higher rate of $1,042.86 each year (the maximum Government contribution was reduced from $1,042.86 to $521.43 for the year ended 30 June 2012 and following years); and
* That you did not make any early withdrawals.

Past performance is not indicative of future returns. The information included in this video is of a general nature, is the opinion of Blair Vernon, and is not a substitute for financial or other professional advice. To the extent that the information constitutes advice, it is class advice only. Before taking any action, you should always seek financial advice or other professional advice relevant to your personal circumstances. For personal financial advice, we recommend you contact your Adviser or if you don't have an Adviser, contact us on 0800 267 263 and we can put you in touch with one. A copy of your Adviser's disclosure statement is available, on request and free of charge.