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Your top 5 KiwiSaver and
New Zealand Retirement Trust (NZRT)
questions answered

1.    Can you give me a quick lesson on how KiwiSaver works?


We have this 2-minute video that will give you quick overview of how KiwiSaver works:

2.    Can I see my KiwiSaver and NZRT balance online?


To view your account balances and see how your investments are performing, log in to MyAMP. We have a desktop version and app available so you have the choice of using a computer or mobile phone.

With MyAMP, you can:
•    View your recent transactions
•    Change your funds
•    Manage your contributions
•    Check your employer and government contributions
•    Update your personal details

To find out more about MyAMP, click here.

Visit MyAMP Online:



Get the MyAMP Mobile app:



3.    Am I in the right fund?


A good start is to first have a think about what kind of journey you want to take and what you want your destination to look like when you get there.

Some funds are considered higher risk, which generally means higher potential returns over time, but with more ups and downs along the way.

Others are considered lower risk, which typically deliver more consistent, yet lower returns.

If you are in the AMP KiwiSaver Scheme, try out our fund selector tool and take the short quiz to find out which fund best suits you.  To find out more about the funds we have, click here.

4.    What is the withdrawal process?


KiwiSaver

KiwiSaver is designed to help you save for retirement. When you reach the age of 65, you can choose to access the savings in your AMP KiwiSaver Scheme account.
To learn about the process for a KiwiSaver retirement withdrawal, eligibility and withdrawal options, click here.

Can I withdraw before I’m 65?
In some situations you may be able to withdraw funds from your AMP KiwiSaver Scheme account before the age of 65. If you meet the criteria, this might apply to you in the case of:
•    purchase of a first home
•    significant financial hardship
•    serious illness
•    life-shortening congenital conditions
•    death
•    permanent immigration (not to Australia)
•    withdrawal of Australian retirement savings (from age 60 provided you have retired under Australian law).

NZRT

Withdrawals depend on the NZRT plan you are in. To find out if you are eligible for the withdrawal, refer to your NZRT member booklet. If you don’t have a copy, please contact your employer, adviser or us. You can also learn more about significant financial hardship withdrawals here.

5.    When am I eligible for the annual Government Contribution?


You will be eligible for the Government contribution while you:
•    Contribute to a KiwiSaver Scheme from the age 18 until your Qualifying Date*; and
•    Reside mainly in New Zealand, unless you are a Government employee living overseas or are volunteering (or working for token payment) for specified charitable organisations.
If you’re only invested in NZRT, you don’t qualify for the annual Government Contribution. If you are invested in both KiwiSaver and NZRT, only contributions to your KiwiSaver Scheme qualify you for the annual Government Contribution.

*Qualifying Date

Qualifying Date means: If you joined KiwiSaver before 1 July 2019 Your qualifying date is either: - age 65 years; or - five years after you first joined a KiwiSaver scheme or, if you transferred to KiwiSaver from a complying superannuation fund, five years after you joined that fund. If you joined before 1 July 2019, and your qualifying date is later than age 65, you might be interested to know that from 1 April 2020, you will be able to choose age 65 as your qualifying date. If you do so, just keep in mind that you will lose your eligibility for any Government and compulsory employer contributions in the future (though your employer may choose to continue to contribute). If you joined KiwiSaver after 1 July 2019 Your qualifying date is either: - age 65 years; or - if you have transferred to KiwiSaver from a complying superannuation fund which you joined before 1 July 2019, your qualifying date will be either the later of age 65 or five years after you joined that fund. If this applies to you, from 1 April 2020 you will be able to make a withdrawal at age 65 even if your qualifying date is later. If you do so, just keep in mind you will lose your eligibility for any future Government and compulsory employer contributions (though your employer may choose to continue to contribute).

Important information

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. The information on this page reflects AMP’s understanding of the Government’s current policy on the Government contribution. This policy could change in the future. For more information on the Government contribution please talk to your Adviser or call us 0800 267 5494.