ANZ New Zealand

The ANZ website contains the following categories:

Savings & Investments

ANZ KiwiSaver Scheme
The ANZ KiwiSaver Scheme (ANZ KiwiSaver) makes it easy to save for a better retirement, with all the Government-assisted benefits of KiwiSaver, (including a $1,000 kick-start, tax credits and first home deposit subsidy)* and more!

*Certain eligibility criteria apply and not all members will qualify.



Key Features
Active management
All ANZ KiwiSaver funds are offered and actively managed by ING (NZ) Limited, one of New Zealand's largest and best performing fund managers. ING currently holds the Morningstar (for the 12th time in 16 years) and INFINZ Fund Manager of the Year titles.
ANZ KiwiSaver is distributed through ANZ
Availability
ANZ KiwiSaver is open to all people who are entitled to permanently reside in New Zealand under the age of 65.*
Lifetimes Option
ANZ KiwiSaver's Lifetimes Option helps take the guesswork out of choosing the right investment fund. It's based on industry experience of the level of risk investors are comfortable with at various stages of their lives. In the Lifetimes Option, your investment will be put into the fund that matches your current age. Then, as you get older, you'll automatically be moved from higher to lower-risk funds. Or if the Lifetimes Option doesn't suit your personal circumstances you can choose your own fund or funds from the following:
Investment options
Choose from five investment funds, each offering varying levels of 'risk' and 'return'. Click on the links below to find out more about each fund.


If you're not sure which fund is right for you, you might consider the Lifetimes Option.
Regular contributions
If you are an employee, your employer must deduct regular contributions directly from your salary or wages (an amount equal to either 4% or 8% of your salary or wages before tax).

All ANZ KiwiSaver members (regardless of whether you are an employee) can make regular contributions using direct debit – from as little as $12.50 a week.
Lump-sum contributions
You can make additional lump-sum contributions of $1,000 or more to your ANZ KiwiSaver account at any time.
Employer contributions
In a Bill currently before a Select Committee it is proposed that from 1 April 2008, all employers will have to match employee contributions made to a KiwiSaver scheme up to:
  • 1% of gross salary or wages (from 1 April 2008)
  • 2% of gross salary or wages (from 1 April 2009)
  • 3% of gross salary or wages (from 1 April 2010)
  • 4% of gross salary or wages (from 1 April 2011)
This may change in the future.
Locked-in savings
In most cases you won't be able to access your savings until you reach the age of eligibility for New Zealand Superannuation (currently 65) or until you have been a member of a KiwiSaver scheme for five years, whichever is the later.
Early withdrawal
In certain circumstances (such as financial hardship, serious illness or permanent emigration) you can apply to withdraw your ANZ KiwiSaver savings before you reach retirement*.

After three years, you can also apply to make a one-off withdrawal from your ANZ KiwiSaver account to help you buy your first home*.
Contributions holiday
After 12 months in a KiwiSaver scheme, you can apply to take a 'contributions holiday' and stop making contributions for a period between 3 months to five years. You can apply to renew your contributions holiday at any time.

If you're suffering serious financial hardship, you can apply for a short contributions holiday of 3 months (or more if the IRD agrees) earlier than this. Conditions apply.
Mortgage diversion
After 12 months membership of a KiwiSaver scheme, you may be able to divert up to half of your regular ANZ KiwiSaver contribution (not including any employer contribution) towards repaying the mortgage on your home*.
Fees and charges
See the details of the current fees and charges
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*Certain eligibility criteria apply and not all members will qualify.

The following Government benefits are available to all KiwiSaver members, regardless of your financial situation.
Government benefits
$1,000 kick-start
When you join a KiwiSaver scheme for the first time the Government will contribute $1,000 tax free to your KiwiSaver account to kick-start your retirement savings.
Fees contribution
The Government will currently contribute $40 a year towards the administration costs of your KiwiSaver scheme*.
Help for first home buyers
After three years in a KiwiSaver scheme, you can apply to make a one-off withdrawal from your KiwiSaver account to help you buy your first home*.

Also after three years saving through KiwiSaver, you can apply for a Government subsidy of up to $1,000 for each year you've been saving through a KiwiSaver scheme (up to a maximum of $5,000) to put towards a deposit on your first home*. And if your partner is also a KiwiSaver member you can combine your subsidies.
Tax credits
If you're aged 18 to 65, the Government will match your contributions by up to $20 per week (or approximately $1,040 per year) in the form of a tax credit to your KiwiSaver account*.
Tax free employer contributions
Employer contributions of up to the lesser of the employee's contribution or 4% of the employee's gross salary or wages are exempt from tax.
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* Certain eligibility criteria will apply and not all members will qualify.

ANZ KiwiSaver commenced accepting members on 1 July 2007.

Access the current ANZ KiwiSaver Scheme Investment Statement (PDF, 1.51mb) or request a copy at any ANZ branch.

This information is current as at 1 November 2007.

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ANZ Internet Banking ANZ Internet Banking
ANZ Internet Banking ANZ TXT Banking
ANZ Internet Banking ANZ M-Banking
ANZ Phone Direct ANZ Phone Direct
Apply for ANZ KiwiSaver...
Call 0800 ANZ 2 YOU (0800 269 296) Call 0800 500 648
Visit any ANZ branch Visit any ANZ branch
PDF Download an application form
Questions...
Send us an enquiry Send us an enquiry
Frequently Asked Questions for Individuals Frequently Asked Questions for Individuals
Frequently Asked Questions for Employers Frequently Asked Questions for Employers
Kiwisaver-Quick-Calc Calculate how much you could save

Guardian Trust Superannuation Trustees Limited is the Issuer of the ANZ KiwiSaver Scheme. ING (NZ) Limited is the Administration and Investment Manager of the ANZ KiwiSaver Scheme and is responsible for selecting and managing the assets held by the ANZ KiwiSaver Scheme, and for the overall administration and promotion of the ANZ KiwiSaver Scheme. The ANZ KiwiSaver Scheme is distributed through ANZ, part of ANZ National Bank Limited. Units in the ANZ KiwiSaver Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, ING Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees or secures (either partially or fully) ING (NZ) Limited and its subsidiaries or the capital value or performance of any products issued or managed by them.

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