KiwiSaver works differently depending on where you are in life. The right fund type, contribution rate, and strategy for a 25-year-old are very different from what’s right at 55. These guides are written for your life stage.
By Decade
- KiwiSaver in Your 20s — starting out, choosing a fund, compound growth
- KiwiSaver in Your 30s — balancing home buying and retirement savings
- KiwiSaver in Your 40s — mid-career catch-up strategies
- KiwiSaver in Your 50s — de-risking and building the final balance
- KiwiSaver in Your 60s — final years before withdrawal
Specific Situations
- KiwiSaver for Kids — should parents enrol children?
- KiwiSaver for Students — part-time work, student loans, and MTC
- KiwiSaver for Migrants — eligibility, work visas, Aus super transfers
- KiwiSaver for Māori — Māori-specific providers and considerations
- KiwiSaver for the Self-Employed — no employer contributions, voluntary only
- KiwiSaver for Contractors — PAYE vs contracting structure
- KiwiSaver on a Work Visa — eligibility rules for temporary residents
- KiwiSaver for Newborns — enrolling a baby