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What is KiwiSaver?

KiwiSaver is an investment scheme that helps you save for retirement, and can be used for buying your first home. It’s made up of contributions from your salary, your employer’s contributions, and government contributions – provided you’re contributing enough.

How does KiwiSaver work?

Your KiwiSaver account is an investment, maybe your first, and it usually starts when you get your first job. Then you can start contributing from your pay packet. After many years of saving, you’ll be able to use that money to help you live when you finish work.

Is KiwiSaver right for me?

Generally, yes. Everyone benefits from getting help to save for their retirement or buying their first home. And if you’re in KiwiSaver, your employer and the government also contribute to your account, giving your savings a boost. But not everyone has the same ability to put money into KiwiSaver, so read the section on how much you should put in.


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