Our expert guides cover everything you need to know about your contributions, your employer's contributions, how KiwiSaver is taxed, hardship applications, first-home benefits and must-know fund selection tips
Retirement in a Nutshell (read this first)- Retiring without savings means certain struggle. Superannuation payments are like welfare - they don't pay for any kind of lifestyle. Our guide explains everything you need to know to avoid the all too real 'pensioner poverty' trap
Choosing a KiwiSaver fund - Switching funds or joining KiwiSaver? We explain how to look for a fund based on your investing needs, fund performance and fees, as well as outlining why a default fund may not be suitable for your needs
Switching KiwiSaver - Thinking about moving KiwiSaver funds? We explain what to consider and think about before making this important decision
KiwiSaver Hardship - if you're a KiwiSaver member and struggling with your finances, our guide explains everything you need to do to ask for an early redemption
Contributions holiday - if you're wanting to take a break from contributing, our guide explains your options
Calculating your PIR- our guide covers everything you need to know to making sure you're paying the correct tax on investment fund earnings
KiwiSaver HomeStart Guide - get a grant of up to $20,000 and access to your KiwiSaver fund for your first house or apartment deposit
Your contributions - You can choose how much to contribute. Find out what happens when you go on leave, receive a benefit or entitlement, or have a tax debt
KiwiSaver Contributions - Gross or Net? - it’s a common question to ask if your contribution (and your employer’s 3% contribution) is calculated on your gross salary or salary after tax - in this guide, we explain everything you need to know
Your employer's contributions- If you're a KiwiSaver member making contributions from your pay, your employer will also contribute to your KiwiSaver savings
Government contributions- To help you save, the Government will make an annual contribution towards your KiwiSaver account as long as you meet certain conditions.
Voluntary contributions- make voluntary contributions (or lump sum payments) at any time, either directly to your KiwiSaver provider or through Inland Revenue
KiwiSaver and tax - KiwiSaver contributions are deducted from your before-tax pay, and our guide explains everything you need to know.
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