If you’re not set up with

KiwiSaver, or in the wrong fund,

you could be missing out

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With employers by law being required to match employee contributions up to 3%, not to mention Government tax credits, KiwiSaver is a great way to grow your wealth and saving for retirement.

Having funds in KiwiSaver can also help first-time buyers on to the property ladder through the KiwiSaver HomeStart grant and home purchase withdrawal option.

Contact me today about your KiwiSaver. If you’re not sure who your KiwiSaver is with, or what type of fund you are in, you could be missing out (on literally $100,000s over the long term). I have excellent kiwisaver options; even a provider that can provide accidental death cover as part of their overall offering.

KiwiSaver: temperature check on some facts.

Warning, great benefits follow
  • A minimum 3% contribution from your employer. If contributing to KiwiSaver from your salary/wages, your employer is required to put in a minimum of 3% of your Before Tax Pay (less employer’s superannuation contribution tax).
  • Member Tax Credits of up to $521.43 every year. For every $1 you put into your KS scheme account, the Government puts in 50 cents up to a maximum of $521.43 per year, if you’re 18 or over.
  • *First home withdrawal. If you’ve never owned a home, and you’ve been a KiwiSaver member for at least three years, you can take out all of the money both you and your employer have put in, as well as all of the investment returns, to help buy your first home.
    More info >
  • *Up to $10,000 HomeStart grant. On top of the first home withdrawal, you may also be eligible to receive up to $10,000 as a HomeStart grant towards your first home.
    More info >
  • Your money is held in trust. No matter the provider, the KiwiSaver Act requires your investments to be held by a licensed trustee; not the scheme provider.

* Conditions apply. Contact me for further information if you think this is relevant to your situation.

 

Note: I can provide generic and non-personalised advice only with regards to KiwiSaver.