At a glance

KiwiSaver was created by the government to help you save for your retirement and to support you in buying your first home. It’s 100% voluntary, but there are many benefits and extras to help you save:

  • If you’re employed and aged between 18 and 65 years old, your employer contributes 3% of your gross pay
  • If you're employed, you choose what you want to contribute - between 3%, 4%, 6%, 8%, 10%
  • The Government will match your contributions up to $521 per year
  • Help to buy your first home. You may also be able to withdraw from your KiwiSaver account after three years to put towards your deposit. Plus, you may also be eligible for a KiwiSaver HomeStart grant of up to $10,0002
Fisher Funds Retirement Projector calculator




How can we help?

KiwiSaver for your retirement

Can you afford to live the lifestyle you want when you retire? KiwiSaver can help set you up for a better retirement.

KiwiSaver for First Home Buyers

You may be able to use your KiwiSaver savings to put towards your deposit when buying your first home. You could be eligible to access one of the government home ownership initiatives designed to help people into their first home sooner.



Watch your savings grow

You can keep track of your month-end Fisher Funds KiwiSaver Scheme account balance through your Online or Mobile Banking. You’ll see it on your accounts dashboard once you’ve logged in.

Fisher Funds will also keep you up-to-date with regular communication about your savings progress. You'll have 24/7 online account access, receive monthly e-newsletters and online reports about your own KiwiSaver account balance, where your money is invested; and the performance of each fund. 

Cruise into retirement with GlidePath

Fisher Funds’ Glidepath service automatically allocates and adjusts your KiwiSaver savings annually to a fund or mix of funds that are considered appropriate based on your age and investment timeframe. 

You don’t have to worry about regularly reviewing how your KiwiSaver account is invested — you can set and forget as GlidePath takes away the hassle by automatically adjusting your investment. There’s no additional charge, it’s easy to get set up and you can opt in or out at any time.



Talk to our team about how to join or switch to the Fisher Funds KiwiSaver Scheme and GlidePath.

Once you’re set up there are no additional GlidePath fees. The experts at Fisher Funds will ensure that you’re invested in the appropriate mix of funds for your age.

GlidePath automatically adjusts your mix of funds each year. This means you won’t have to worry about regularly reviewing how your funds are invested.




Get started

Join or transfer
Joining or transferring is easy. As long as you're living in New Zealand and you’re a New Zealand citizen (or entitled to permanent residence), you're eligible to join the Fisher Funds KiwiSaver Scheme. Fill out our online form and one of the team will be in touch to get things moving.

Already a TSB customer?
You can apply to join or transfer to the Fisher Funds KiwiSaver Scheme through Online Banking. It’s quick and easy - simply click ‘Apply’ to get started, and then choose ‘KiwiSaver’ from the available options.

Already with Fisher Funds?
If you didn’t enroll in the Fisher Funds KiwiSaver Scheme through us, complete and return the Information Authority Form so that Fisher Funds can share your account details with us. This will allow you to see your KiwiSaver month-end account balance when you log in to Online and Mobile Banking.



Fees and charges

  • Administration fee

    This is a flat $1.95 a month (or $23.40 a year) and it helps pay for the day-to-day administration of your KiwiSaver account. It’s deducted from your KiwiSaver account every month.

  • Management fee

    Covers the cost of investment research. This fee is a percentage of your investments, and is calculated daily, charged monthly.

  • Performance fee

    If the growth fund performance hurdle is beaten, you will be charged a performance fee. This isn’t a guaranteed charge, as it’s subject to the growth fund beating its performance benchmark and other criteria. This is charged annually.

  • Other costs and expenses

    Incurred by the funds for services such as accounting, custody, unit pricing, and audit, and include the Supervisor’s fees.

There’s no fee to join or leave the Fisher Funds KiwiSaver Scheme, to withdraw your savings at retirement or to change your investment strategy.

To learn more about the fees that you can expect to pay, visit the Fisher Funds website.



Contribution breakdown

Your contributions

  • You can choose to contribute 3%, 4%, 6% 8% or 10% of your gross pay

  • If you’re self-employed or not working, you can choose how much to contribute and how often

Employer contributions

  • Your employer will make a minimum contribution of 3% of your gross salary or wages if you are aged between 18 and 65 years old

Government contributions

  • If you are aged between 18 and 65 years old, the Government will contribute $0.50 for every $1 you contribute, up to a maximum of $521 per KiwiSaver year (1 July - 30 June).

You can also apply for a savings suspension after one year, to take a break from paying into your KiwiSaver.



  • Don’t forget to read this bit

    1.  To be eligible for the Government contribution you must: 
         a. be aged over 18; and 
         b. not yet entitled to withdraw for retirement; and 
         c. be resident in New Zealand for most (more than six months) of the KiwiSaver year (01 July to 30 June)

    If you meet the eligible criteria but are only contributing to KiwiSaver for part of the year, your Government contribution will be pro-rated. If you’re contributing for the full year the Government will contribute $0.50 for every $1 you contribute, up to a maximum of $521 per KiwiSaver year. You need to contribute $1,042.86 each KiwiSaver year to ensure you receive the maximum Government Contribution. Your contributions can be made up of employee and voluntary contributions. More information is available here

    2. To view the KiwiSaver First Home Grant grant criteria and check eligibility, visit the Kāinga Ora – Homes and Communities website.

    Fisher Funds Management Limited (“Fisher Funds”) is the issuer and TSB Bank Limited (“TSB”) distributes the Fisher Funds KiwiSaver Scheme (the “Scheme”) on behalf of Fisher Funds. A copy of the Product Disclosure Statement for the Scheme is available from TSB and Fisher Funds.

    Your investments in the Scheme are subject to investment risk including possible loss of income and principal invested. Neither TSB nor any other person guarantees (either partially or fully) your investment in the Scheme (including the repayment of any capital value or the performance of those securities). An investment in the Scheme is not a deposit with TSB