You've probably at least heard of KiwiSaver, or maybe you're a seasoned savings pro. Basically, for those who don't know, KiwiSaver exists to help you save for two occasions in life; either a house or retirement. Who you set your KiwiSaver up with and how much you contribute is a little more complicated.

KiwiSaver tips.

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Tip 1: Get on it.

<h2>Tip 2: Up your contribution.</h2><ul><li>If you have a financial goal in mind, like saving up to buy a house in the next few years, push out to a higher contribution rate.</li><li>Rates are 3, 4, 6, 8 or 10%.</li><li>Based on your current income, calculate what you can afford to put into your KiwiSaver vault.</li><li>Don't be afraid to put in extra bits of cash to it over time — you don't always have to wait for your automatic contribution to kick in.</li></ul>&nbsp;<h2>Tip 3: Treat your KiwiSaver like interest.</h2><ul><li>KiwiSaver isn't really a savings account — it's an investment scheme to grow your savings account.</li><li>Choose your KiwiSaver provider based on the rate of interest they offer.</li><li>Get familiar with the different types of interest — defensive, conservative, balanced, growth and aggressive.</li></ul>

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Tip 4: Read your KiwiSaver report.

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Tip 6: Check what else you're owed.

Yonda: your new financial friend.

<h4>Disclaimer.</h4>Info and tools on the Yonda website are used as a guide only and do not constitute financial advice. Use Yonda as a starting point and then seek professional advice.

KiwiSaver Tips.

KiwiSaver is a great way to get started on that retirement fund or first home loan — it forces you to put a little aside each week until that little becomes quite a lot! Here, we've got tips on how to apply, track, switch out and even spend your KiwiSaver. Plus, extra tips on how the KiwiSaver scheme helps mortgage borrowers.

Managing KiwiSaver

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Is your KiwiSaver working for you? Are you putting in the best possible contributions for your future self? Here, we’ll cover how KiwiSaver works, why it matters and how you can change your KiwiSaver contribution amount at (almost) any time.

Can I change my KiwiSaver contribution at any time?

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KiwiSaver is a voluntary scheme set up by the NZ government to help you when you retire. There are many different funds to choose from — putting $10 into your KiwiSaver each week today could result in thousands in your account by the time you retire.

How do I manage my KiwiSaver?

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Have you come across some hardship recently? Or have you just seen a property on the market that would be ideal for a first home? There may be something KiwiSaver can do for you, but it all depends on your circumstances. After all, KiwiSaver is committed to putting your money aside for future use. 

When can members make an early withdrawal from KiwiSaver?

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If you’re here, you’ve probably at least heard of KiwiSaver. But did you know you may already have one — depending on your work contract? 


What is KiwiSaver and how does it work?

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Are you looking to buy your first home and want to withdraw from your KiwiSaver? Or are you planning to retire? What you can remove depends on the length of time you've contributed.


How much KiwiSaver can I withdraw?

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Have you been on KiwiSaver for a while? Or have you just started and want to check on your progress? The good news is that it's straightforward to view your KiwiSaver.

How do I check on my KiwiSaver?

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Paying off a home loan can feel as if you're locking yourself into years of repayments and uncertainty. But we all need homes to live in. That’s why KiwiSaver exists in the first place, to help people get into new homes all the sooner.

How the KiwiSaver scheme helps mortgage borrowers in NZ.

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Have you got KiwiSaver or are you thinking about it? KiwiSaver is a great way to grow your savings for two of life’s most significant events— buying a house or retiring (hopefully with considerable savings in the bank).

How to check and track your KiwiSaver balance.

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Perhaps you’ve heard of KiwiSaver or — maybe not. But if you’re an NZ citizen or entitled to live here and have signed a work contract, you’ll likely have run across it already.

Applying for KiwiSaver.

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KiwiSaver is a voluntary savings scheme set up by the government to help you save for a house or retirement. It’s open to all citizens or anyone entitled to live in NZ. Some even better news — both the government and your employer have to contribute once you sign up.

Switching out my KiwiSaver.

Managing KiwiSaver

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