KiwiSaver and you.

Get started.

How KiwiSaver works

KiwiSaver is an investment in a diversified fund. What that means and how it works.

Person sitting on bed with tablet in bedroom

How your KiwiSaver money grows

Find out all about contributions and compounding returns.

Two friends working on laptops together in kitchen

Choosing the right KiwiSaver fund

This depends on when you'll need your money, and your appetite for risk.

KiwiSaver & your home.

Parent and children sitting having breakfast

Using KiwiSaver to help you buy a first home

How KiwiSaver can help you grow your deposit, and move into your first home faster.

Person sitting on floor with laptop and printed papers

Money into KiwiSaver or more off your mortgage?

Your questions, answered. What to pay off first, and where to make extra repayments.

KiwiSaver for your situation.

Freelancer checking phone during lunch in cafe

Should you join KiwiSaver if you're self employed?

Weighing up the pros and cons: why it’s worth joining and contributing.

Three generations preparing cookies together in kitchen

Kiwisaver for families

How does KiwiSaver fit in with your family? Parental leave, KiwiSaver for kids, and more.

Elderly couple exercising on living room floor

Getting the most out of KiwiSaver after 65

A new level of flexibility, considering withdrawal options, planning for stable returns.

Transfer your Australian Super

Find out if you can bring your Australian Super back to NZ with our guide to transferring to the Westpac KiwiSaver Scheme.

Smiling parent and child looking out of window with dog beside them

Accessing your KiwiSaver savings early

See whether you could qualify to withdraw your KiwiSaver funds early, and how to apply.

KiwiSaver after 65.

Getting support in retirement

Read about the sorts of ways we can help Westpac KiwiSaver Scheme members take control of their finances and put a financial plan in place.

Making your retirement savings work for you

Once you have access to your KiwiSaver savings, it’s a good idea to have a plan to make your money last as long as possible. With a little help and planning, you can get the most out of your KiwiSaver savings.

Things you should know.

BT Funds Management (NZ) Limited is the scheme provider and issuer, and Westpac New Zealand Limited is the distributor, of the Westpac KiwiSaver Scheme. The Product Disclosure Statement is available here.

The ratings issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings) for Westpac KiwiSaver Scheme (‘Platinum’ rating), are as of 23 November 2021. SuperRatings does not guarantee the data or content contained herein to be accurate, complete, or up-to-date, and it will not have any liability for its use or distribution. Ratings are not financial advice for the purposes of the Financial Markets Conduct Act 2013. Consider your personal circumstances, read the product disclosure statement, and seek independent financial advice before investing. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2021 SuperRatings. All rights reserved.