Guides
Guides from Kāhu
Everything you need to know about KiwiSaver, from the basics to advanced strategies. Our comprehensive guides help you make informed decisions about your retirement savings.
Featured guides
How to switch KiwiSaver provider
How to switch KiwiSaver provider in NZ: apply to your new provider, they handle the transfer, contributions redirect automatically. It is free and takes minutes.
How to choose the right KiwiSaver fund
How to choose the right KiwiSaver fund: match the fund type to your timeframe, then compare on fees. A step-by-step guide for New Zealand savers.
KiwiSaver fees explained
KiwiSaver fees explained: what the annual fund charge is, what is average (around 0.71%), and how small differences cost thousands over time.
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Getting Started
Essential guides for KiwiSaver beginners.
How to switch KiwiSaver provider
How to switch KiwiSaver provider in NZ: apply to your new provider, they handle the transfer, contributions redirect automatically. It is free and takes minutes.
KiwiSaver contribution rates explained
KiwiSaver contribution rates NZ: the default is 3.5% of your pay, and you can choose 4%, 6%, 8% or 10%. Here is what each rate means and how to change it.
The KiwiSaver government contribution explained
The KiwiSaver government contribution is up to $260.72 a year. Contribute $1,042.86 between 1 July and 30 June to get the full amount. Here is how it works.
KiwiSaver for the self-employed
KiwiSaver for the self-employed in NZ: contributions are voluntary, but you can still earn the government contribution of up to $260.72 a year. Here is how.
KiwiSaver basics: how it works, explained
How does KiwiSaver work? A beginner's guide to contributions, the employer and government top-ups, choosing a fund, fees, and getting your money out.
Choosing Funds
Make informed decisions about your fund selection.
Are you in the right KiwiSaver fund? Default funds explained
Are you in the right KiwiSaver fund? Many NZers sit in a default fund by accident. Here is how to check your fund type matches your timeframe, and switch.
How to choose the right KiwiSaver fund
How to choose the right KiwiSaver fund: match the fund type to your timeframe, then compare on fees. A step-by-step guide for New Zealand savers.
Fees & Performance
Understand costs and evaluate fund performance.
KiwiSaver PIR and tax explained
Your KiwiSaver PIR is the tax rate on your fund's earnings: 10.5%, 17.5% or 28%. Using the wrong PIR can cost you. Here is how to find yours.
KiwiSaver fees explained
KiwiSaver fees explained: what the annual fund charge is, what is average (around 0.71%), and how small differences cost thousands over time.
Life Stages
KiwiSaver strategies for different life phases.
How much should I have in KiwiSaver by age?
How much should you have in KiwiSaver by age? There is no official NZ benchmark. What matters more is your contribution rate, fees and fund type. Here is how to judge it.
Approaching retirement: what to do with your KiwiSaver
Approaching retirement? What to do with your KiwiSaver as 65 nears: review your fund's risk, know when you can withdraw, and plan how you will draw it down.
Withdrawals & Access
When and how you can access your KiwiSaver.
Frequently asked questions
What is KiwiSaver?
KiwiSaver is New Zealand's voluntary retirement savings scheme designed to help you save for your retirement.
How much should I contribute?
You can contribute 3%, 4%, 6%, 8%, or 10% of your gross salary. Higher contributions mean more for retirement.
Can I change my fund?
Yes, you can change your fund type or switch providers at any time, though there may be switching costs.
When can I access my money?
Generally at age 65, but earlier for first home purchases or in cases of significant financial hardship.
Ready to compare funds?
Use Kāhu's comparison experience to find the funds that fit your goals, fee tolerance, and risk comfort.
Compare KiwiSaver funds