KiwiSaver Made Simple

We're Now Offering KiwiSaver Through NZ Funds

At Instant Finance, we believe managing your money shouldn't be complicated.

That's why we've partnered with NZ Funds to offer KiwiSaver to our customers. Whether you're joining KiwiSaver for the first time, reviewing your current provider, or simply looking to better understand your options, we're here to help make KiwiSaver easy to understand.

Our role is to provide straightforward information throughout your KiwiSaver journey helping you make informed decisions about your financial future. 

We've chosen NZ Funds as our preferred KiwiSaver provider because of their strong track record, innovative investment approach and commitment to helping New Zealanders build long-term financial wellbeing. 

Simple information. Real people. Trusted KiwiSaver support.

Our KiwiSaver Explained Simply

With NZ Funds, Instant Finance has partnered with one of New Zealand's largest privately owned wealth management firms. We've chosen NZ Funds because they combine simple investment options, strong long-term performance, some unique features, helpful support and easy-to-use digital tools. And they are local like us! 

Quick Summary

• KiwiSaver is a voluntary savings scheme designed to help New Zealanders save for retirement and, for some people, buy their first home.

• NZ Funds offers a Life Cycle option that automatically adjusts your investments as you get older.

• Members can also choose their own investment mix through NZ Funds' Self Select option.

• Members receive Member Contribution Cover at no additional cost, meaning contributions may be covered for up to six months in the event of an accident or injury.

• NZ Funds has an NZ exclusive arrangement with Universa Investments which provides fund insurance against significant market sell offs.

• You can track your KiwiSaver through the NZ Funds Digital Wallet App. 

In One Sentence

If you're looking for a simple KiwiSaver option backed by trusted support, flexible investment choices, unique insurance features and tools that help you stay on track, Instant Finance and NZ Funds can help you get started.

What Is KiwiSaver?

KiwiSaver is a voluntary savings scheme designed to help New Zealanders save for retirement.

Contributions are made regularly and invested over time, helping eligible members build savings for their future. KiwiSaver may also help some people work towards purchasing their first home.

Whether retirement feels a long way off or you're thinking about home ownership, KiwiSaver can be an important part of your financial future.

Why Consider KiwiSaver?

Save For Your Future

KiwiSaver helps you build long-term savings that are designed to support you in retirement. The earlier you start, the more time your investment has to grow.

Help Towards Your First Home

Many eligible KiwiSaver members can use some or all of their KiwiSaver savings towards the purchase of their first home, helping make home ownership more achievable.

Make Saving Easier

For employed members, KiwiSaver contributions are generally deducted directly from your pay, making it easier to build savings over time.

You can choose to have 3.5%, 4%, 6%, 8%, or 10% of your gross income deducted from your pay and some employers will even match your contributions beyond the compulsory 3.5%.

Start Small

You don't need to be wealthy or an experienced investor to start KiwiSaver. Even modest contributions can add up over the long term.

For general saving and budgeting habits, see our money-saving tips  blog.

Who are NZ Funds

NZ Funds is an independently owned New Zealand investment manager with more than 35 years of experience helping Kiwis invest for the future and is one of New Zealand's largest privately owned wealth management firms. 

They offer a KiwiSaver experience that aligns with what many New Zealanders are looking for: simplicity, flexibility and support.

Their KiwiSaver scheme combines straightforward investment options, unique built in insurance protections with helpful support and digital tools that make it easier for members to stay connected to their savings. 

Learn more about NZ Funds.

Key Features of NZ Funds KiwiSaver

Life Cycle Investing

Not everyone wants to actively manage their KiwiSaver.

The NZ Funds Life Cycle option automatically adjusts your investment mix across Growth, Inflation and Income strategies as you move through different life stages. This means your KiwiSaver evolves as you get older, helping ensure your investment approach remains appropriate for your stage of life.

Ideal for people who want a simple "set and forget" KiwiSaver solution.

Self Select Investment Options

Some people prefer to have more control over how their KiwiSaver is invested.

The Self Select option allows you to choose your own mix of Growth, Inflation and Income strategies based on your goals, time horizon and comfort with risk.

For example, someone planning to buy their first home in the next few years may prefer a different investment mix to someone focused solely on retirement savings.

Ideal for people who want greater control over their investment choices.

Member Contribution Cover

One of the unique benefits of the NZ Funds KiwiSaver Scheme is Member Contribution Cover.

Eligible members aged between 18 and 65 automatically receive this cover at no additional cost. If you're unable to work due to injury or illness, the cover can help fund an amount equivalent to your KiwiSaver employee contributions for up to six months, subject to eligibility criteria, conditions and exclusions.

Added peace of mind if life doesn't go to plan.

Insurance Against Market Sell Offs

NZ Funds protects its KiwiSaver members through an NZ-exclusive relationship with Universa Investments. This includes access to the Black Swan Protection Protocol, a specialist strategy designed to shield investors from unforeseen market crashes.

Easy Digital Access

Keeping track of your KiwiSaver shouldn't be difficult.

NZ Funds members can access their KiwiSaver account through the NZ Funds Digital Wallet App, making it easy to check balances, view investments, monitor performance and access account information when needed.

Everything you need at your fingertips.

More Reasons to Choose NZ Funds

New Zealand Owned

NZ Funds is a 100% New Zealand-owned business that has been helping Kiwis invest for more than 35 years. 

Ethical & Responsible Investing

NZ Funds incorporates ethical and responsible investing considerations into its investment approach, helping members invest with confidence.

Access To Information and Support 

Members can access information and support through NZ Funds specialist advisers, helping make KiwiSaver easier to understand. Instant Finance can provide product information and help with the joining process.

Digital Tools & Reporting

Members receive ongoing reporting and can view investment information through the NZ Funds Digital Wallet App

Product Disclosure Statement (PDS)

Before making any KiwiSaver decisions, it's important to review the NZ Funds KiwiSaver Scheme Product Disclosure Statement (PDS).

The PDS contains important information about:

• Investment options

• Risks

• Fees

• Scheme features

• Member eligibility

• Important legal disclosures

Frequently Asked Questions About KiwiSaver

What is KiwiSaver?

KiwiSaver is a long-term, voluntary savings scheme that helps you build money for retirement through regular contributions and investment growth. For many members, it can also help fund a first home purchase.

How does KiwiSaver work?

KiwiSaver works by combining regular contributions with investment returns over time. If you're employed, contributions are generally deducted from your pay and passed to your KiwiSaver provider. Your savings are invested in a fund selected by you or your provider based on your circumstances.

Who can join KiwiSaver?

Most New Zealand citizens and people entitled to live in New Zealand indefinitely can join KiwiSaver. You must also be living, or normally living, in New Zealand. Eligibility rules apply, and some visa holders may not qualify.

Is KiwiSaver compulsory?

KiwiSaver is voluntary for most New Zealanders. However, eligible employees aged between 18 and 65 are typically automatically enrolled when starting a new job, unless they choose to opt out within the permitted timeframe.

Can I switch KiwiSaver providers?

Yes. KiwiSaver members can generally switch providers if they feel another provider better suits their needs. Before switching, it's important to understand any differences in services, investment options and fees.

Can I use KiwiSaver to buy my first home?

Many eligible KiwiSaver members can use some of their KiwiSaver savings towards the purchase of a first home. Specific eligibility criteria apply, including minimum membership requirements and withdrawal rules.

What happens to my KiwiSaver money?

Your KiwiSaver savings are invested in investment funds that aim to grow your money over time. The value of your KiwiSaver balance can rise and fall depending on investment performance and the type of fund you are invested in.

How much should I contribute to KiwiSaver?

The right contribution rate depends on your personal circumstances and financial goals. Many members contribute through payroll deductions, while others make voluntary contributions directly to their KiwiSaver account.

Can self-employed people join KiwiSaver?

Yes. Self-employed people and those who are not currently employed can generally join KiwiSaver directly through a KiwiSaver provider and make contributions that suit their circumstances.

How do I get started with KiwiSaver?

Getting started is simple. You can join through a KiwiSaver provider directly, and many employees are automatically enrolled when they begin a new job. If you're unsure where to start, speaking with a KiwiSaver specialist can help you understand your options.

About Instant Finance KiwiSaver

Instant Finance KiwiSaver is provided through NZ Funds. We help New Zealanders understand KiwiSaver, join KiwiSaver, switch KiwiSaver providers, learn about first-home withdrawal options, and understand the different investment choices available through the NZ Funds KiwiSaver Scheme.

Our goal is simple: make KiwiSaver easier to understand so you can make informed decisions about your future. It's the same approach we've taken with Kiwis for over 50 years — see why customers choose us.

Simple KiwiSaver Support

Understanding KiwiSaver doesn't need to be overwhelming.

Whether you're:

• Looking to join KiwiSaver for the first time

• Thinking about switching providers

• Saving for your first home

• Trying to understand your investment options

• Wanting help understanding how KiwiSaver works

our team can help provide information and point you in the right direction.

Thinking about your wider financial picture? Explore our personal loan options or read our money-saving tips for more ways to stay on track.

Instant Finance provides product information and support with the joining process. We do not provide financial advice. 

If you require personalised financial advice, we recommend speaking with a licensed Financial Adviser or an NZ Funds representative.

Ready To Learn More?

Whether you're new to KiwiSaver or simply want a clearer understanding of your options, we're here to help.

Talk to the Instant Finance team today and learn how simple KiwiSaver can be.