Kiwisaver & Retirement

KiwiSaver

What is KiwiSaver?

KiwiSaver is a voluntary long-term savings plan to help Kiwis like you save for your retirement. If you’re employed, contributions from you and your employer are deducted from your pay. Contributions are invested into funds of your choice to plan for your retirement. We recommend you speak to a Certus Adviser to help you select the fund options suitable for your needs, lifestyle and financial position.

The good news is, KiwiSaver gives you choice: You can contribute 3%, 4%, 6%, 8% or even 10% of your pay.

KiwiSaver is a long term savings scheme, designed to help you save for your retirement. For most people, its work based, with contributions from you and your employer deducted from your pay. Those contributions are invested into the fund(s) of your choice to deliver a return that could help boost your savings.

What are the benefits of KiwiSaver?

KiwiSaver offers a range of benefits, which change from time to time. These may include:

  • An annual member tax credit contribution of 50 cents for every dollar you save, up to a maximum of $521.43 per year (if eligible)

  • Compulsory contributions from your employer (if eligible)

  • Flexibility to respond to changes in your situation

  • Help with buying your first home

If you are visiting our website, it is likely you are already a personal or corporate KiwiSaver client with Certus Financial Group.

Your KiwiSaver Toolbox

  • View your KiwiSaver account by logging in or creating a MyAMP portal here

  • View the latest AMP KiwiSaver returns information here

  • Create or login to your Sorted Account and update your Retirement Savings Plan here

If you would like to discuss with your Adviser, locate them here or if you don’t have an Adviser yet email us at kiwisaver@certusnz.co.nz.

Your Adviser will be able to assist you with either getting you set up, reviewing your current investment profile, or positioning you best leading into or through retirement.

To view our latest Investment Update, see here.

 

NZ Retirement Trust (NZRT) 

An employer-sponsored retirement savings option

The New Zealand Retirement Trust (NZRT) is an employer-sponsored workplace savings scheme designed to help you save for a more comfortable retirement. The good news is, if your employer offers a NZRT employer plan, you may be eligible to join.

With the NZRT, a team of experienced investment professionals will manage your savings to help you maximise your precious retirement nest egg.

If you decide to leave your employer you’ll also have the option to transfer to the My Super section of the NZRT. This is your own personal plan within NZRT, so you can continue to save for your retirement.

You’ll find NZRT may be a suitable Retirement Savings option if you:

  • want a retirement savings scheme operated by an experienced investment team

  • want a flexible employer-sponsored option that you can still use if you leave your employer

Do you have a large balance or are you retiring soon?

We recommend you talk to one of our Investment Specialists to make sure you have the settings right on your portfolio. You’ll discover there are specialist products available tailored to assist you with additional income in retirement.

To find out more, talk to one of our Investment Specialists Brendon White at 027 271 7464 or Chloe Robertson at 027 523 1914.