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Why it hurts when your KiwiSaver balance drops


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Is coronavirus affecting my KiwiSaver balance?

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Fee Savings Calculator

See how lower fees can help you grow your KiwiSaver

Choose My Fund Type

Let us help you choose your JUNO fund

Retirement Calculator

Estimate your KiwiSaver retirement balance


How do returns and fees affect my balance?

We’ve created an example below to show you the impact of fees and returns on your KiwiSaver balance.

On November 30 Emma had a balance of $20,000 in the JUNO Balanced Fund. She made no contributions or withdrawals during the month. Emma has advised us that her PIR is 28%.

Emma’s balance on December 31 was $20,311

Investment returns: $316.00
Fees: $5.00

How do I withdraw money for my first home?

If you’ve been in KiwiSaver for three years and you’re buying your first home to live in (not rent out), you might be able to withdraw some of your money.

You may be able to withdraw the current value of your contributions, your employer’s contributions, return on investments, and any Government Contributions. But you’ll need to leave a minimum balance of $1,000 in your account (as well as any Australian sourced superannuation)

You’ll need to contact us directly by phone or email to discuss your situations before you make any home purchase.

You may also be able to get a KiwiSaver HomeStart grant.

For more information on the KiwiSaver HomeStart grant go to www.hnzc.co.nz

How do I sign my kids up?

It’s easy to sign your kids up. All you need is:

  • Your child's ID in the form of a passport, driver’s licence or birth certificate.
  • For children 16 or 17, one of their parent(s) or guardian(s) will also be required to complete the online application and verify their identity.
  • For children aged 15 and under, both their parents or guardians will be required to complete the online application and verify their identity.
  • Your child will also need to have an IRD number. Get an IRD number here.
  • If you’re having trouble, just contact us.


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