KiwiSaver

Kiwisaver

The investment to a sound future

A KiwiSaver fund can set you up for a comfortable future, but unfortunately, many Kiwis are on the incorrect fund for their life stage and risk profile. This means they miss out on thousands more at retirement.

What is KiwiSaver?

KiwiSaver is a voluntary savings scheme. For most people, a KiwiSaver fund will make up the vast majority of their retirement savings. It can also help with the purchase of your first home.

KiwiSaver has a variety of funds and schemes, so it’s essential you’re on the most appropriate for your life stage and risk profile. With so many options available, choosing a KiwiSaver can get confusing. You’re responsible for choosing the right provider and the long-term benefits you may receive, so it helps to know what’s out there.

A Haven Adviser has a full understanding of the KiwiSaver schemes, the benefits and your options. With the right advice, you can make better-informed decisions to benefit your future.

If you would like to make the most out of your KiwiSaver, talk to a Haven adviser today.

KiwiSaver vs. Savings Account

$546,230.66 $57,750.00 $43,706.39 $18,250.05 $37,315.55 $57,750.00

How Does KiwiSaver Work?

Contributions

Contributions are paid to your KiwiSaver provider, and are invested in the scheme of your choice…

+

Your
contributions

+

Employer
contributions

Government
contributions

Investments

Add or subtract your investment returns, which can go up or down over time…

+ or

Investment
returns

Withdrawals, Fees and Taxes

Subtract any withdrawals (like the first home withdrawal), fees and taxes…

Withdrawals,
fees and taxes

voila!

…and you’re left with your retirement savings.

=

Your KiwiSaver
savings

Contributions

Contributions are paid to your KiwiSaver provider, and are invested in the scheme of your choice…

+

Your
contributions

+

Employer
contributions

Government
contributions

Investments

Add or subtract your investment returns, which can go up or down over time…

+ or

Investment
returns

Withdrawals, Fees and Taxes

Subtract any withdrawals (like the first home withdrawal), fees and taxes…

Withdrawals,
fees and taxes

voila!

…and you’re left with your retirement savings.

=

Your KiwiSaver
savings

What Are the Benefits of KiwiSaver

A KiwiSaver scheme is not compulsory but there are many benefits including:

Saving for a comfortable retirement

Employer contribution of at least 3% of your gross wage or salary – on top of your contribution!

Annual contributions from the government (Member Tax Credits)

You can use your KiwiSaver towards your first home through a KiwiSaver HomeStart grant and a KiwiSaver first home withdrawal

Haven advisers only provide class advice for KiwiSaver.

IF YOU WOULD LIKE TO GET THE MOST OUT OF YOUR KIWISAVER

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