KiwiSaver is a voluntary work-based savings scheme set up by the government to encourage New Zealanders to save for their retirement.

For many people, KiwiSaver will be their first investment and will impact their future financial security. FMA closely monitors those who manage, distribute and provide oversight of KiwiSaver schemes to make sure they meet regulatory standards and act with customer interests in mind.

Find out more about the key rules that apply when you are:

You can check information about who the trustee and manager is for your KiwiSaver scheme on our KiwiSaver register. We also report annually on how KiwiSaver providers are meeting their obligations.

KiwiSaver investor guides

For investor information about KiwiSaver also see:

  • for information about the benefits of KiwiSaver, how to choose a KiwiSaver scheme and investment fund and how to manage your KiwiSaver account.
  • for information about how KiwiSaver works which includes forms and guides to joining KiwiSaver, how to keep track of your contributions, change your contributions, change between KiwiSaver schemes or get your money when you turn 65.

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