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KiwiSaver is an long-term saving scheme to help you save for your retirement. You can choose to sign up to at any time. Your KiwiSaver fund will be comprised of contributions from you, your employer (where applicable) and the Government.

There are a range of membership benefits to encourage you to get saving. They include regular contributions from your employer and an annual member tax credit paid by the Government. Some KiwiSaver members may also be eligible for help with the deposit on their first home. Read more about the benefits.

KiwiSaver schemes are managed by a number of private sector companies called KiwiSaver providers.

NZ Funds is the provider for Hallam Jones Insurance and Financial Advisers and we are pleased to say that, according to the KiwiSaver Annual Market Report for 2012, they are ranked 2nd out of the 40 KiwiSaver providers!

How Contributions Are Made

KiwiSaver is work-based for many people. You can choose the amount you wish to contribute from your pay at the rate of either 3%, 4% or 8%. This will be deducted directly from your pay and invested for you in a KiwiSaver scheme. Your employer will also make compulsory contributions at a minimum rate of 3%.

If you're self-employed or not working, you agree with your KiwiSaver provider how much you want to contribute, and make payments directly to them.

When You Can Access Your Funds

Your KiwiSaver savings will generally by locked in until:

  • you're eligible for NZ Super (currently 65)
  • you've been a member for at least 5 years (if
  • you joined over the age of 60)

You may be able to make an early withdrawal of part (or all) of your savings if you are:

  • buying your first home
  • moving overseas permanently
  • suffering significant financial hardship
    seriously ill

What You Will Get When Your Retire

NZ Super provides for a basic standard of living in retirement, but it may not be enough for the kind of retirement you want. Having a KiwiSaver account doesn't affect your eligibility for NZ Super or reduce the amount of NZ Super you would be eligible for. KiwiSaver savings will complement NZ Super to provide you with a better standard of living for your retirement.

KiwiSaver is not guaranteed by the Government. This means you make your investment choices in a KiwiSaver scheme at your own risk.

For more information contact Hallam Jones Insurance and Financial Advisers

We are happy to answer any questions you may have about KiwiSaver and present the options to you.

Source: www.kiwisaver.govt.nz

NZ Funds KiwiSaver Scheme Growth Strategy

**Comparative Index: 'Average return of all other funds of that nature'.


"We became eligible for KiwiSaver in 2014 and immediately began contributing. Our rate of return last year was less than 2%. We met with Mark Jones who suggested a review might be in order. He found that we had automatically been placed in a default fund.

"Mark listened to our retirement plan and suggested a fund to suit our investment goals.
So far this year, we have seen a 12% return and we have Mark to thank for that."

- Scott & Ricci Harbuck

"I have been with Hallam Jones for a few years now. I have arranged insurances, have had wealth assessment discussions with Mark and shifted my KiwiSaver to be overseen by them too.

"I have always been a fan of working with a broker. A Broker offers options. A good broker will represent your interests and this is what Hallam Jones does. As a result mine, and my wife’s, retirement is sorted, my children will be able to afford a house on their own when they will want to buy one and disasters will not derail us as they have the potential to do.

"I commend you to discuss your interests with the team at Hallam Jones. They’re a safe pair of hands."

- TJ O’Leary