KiwiSaver advice could make a big difference to your retirement even if you already have KiwiSaver. You could potentially have hundreds of thousands of additional dollars more in retirement by being in a fund that better suits your age and risk profile.

We can provide you with general (also known as class) advice on KiwiSaver and the Generate KiwiSaver Scheme.

We have partnered with Generate for the following reasons:

  • NZ owned KiwiSaver specialist.
  • Investment Provider of the Year 2015 & SuperRatings Gold 2016.⁽¹⁾
  • #1 Performing KiwiSaver Fund in the Growth Sector for 2014 & 2015. ⁽²⁾
  • Service focused – ranked highly for services by ⁽³⁾

A copy of the investment statement can be found at If extra advice is required, we can arrange it for you.

Why Join KiwiSaver?

KiwiSaver offers benefits no other investment can.

When you join KiwiSaver you will receive:

A 3% contribution from your employer.

If you're contributing to KiwiSaver from your salary or wages, your employer is required to put in a minimum of 3% of your Before Tax Pay (less employer's superannuation contribution tax).*

Member Tax Credits of up to $521.43 every year.

For every $1 you put in to your KiwiSaver scheme account, the Government will put in 50 cents up to a maximum of $521.43 per year, if you're 18 or over. This is called a Member Tax Credit.

First home withdrawal.

If you've never owned a home, and you've been a KiwiSaver member for at least three years, you can take out all of the money both you and your employer have put in, as well as all of the investment returns, to help buy your first home.**

Up to $10,000 HomeStart grant.

On top of the first home withdrawal, if you're eligible, you may also receive up to $10,000 as a HomeStart grant from the Government towards your first home.**

*See the Investment Statement Glossary for details of what constitutes Before Tax Pay. A copy of the investment statement can be found at

⁽¹⁾Investment Provider of the Year as voted by the Professional Advisers Association. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria.

⁽²⁾ KiwiSaver surveys for the year to 31 December 2014 and the year to 31 December 2015 both ranked the Generate Growth Fund 1st for performance in the Growth Category. Past performance is not a reliable indicator of future performance. Returns since inception should be assessed.

⁽³⁾Ranked #1 for services by as at 31 March 2015.

*Conditions apply. Visit the Housing New Zealand website for conditions

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