The information is provided for general information purposes only and is not personalised financial advice in relation to KiwiSaver or the Westpac KiwiSaver Scheme. This information is current as at 25 February 2015 and may vary from time. The information above is subject to changes in government policy and law, from time to time. You should not rely solely on the information in this guide. We recommend that you consult a Westpac Financial Adviser for personalised financial advice in relation to KiwiSaver or the Westpac KiwiSaver Scheme.