KiwiSaver for retirement 

If you’re nearing retirement, you’ll probably be thinking about how to manage your retirement savings. Once you’ve turned 65 and have been in KiwiSaver for five years, you’ll be free to access funds from your account - but you don't have to cash up your account. 

Transfer to the Kiwi Wealth KiwiSaver Scheme
Switch Now
Couple with a dog planting a tree

Can I stay in KiwiSaver after I turn 65?

With luck, you’ll be alive for a long time after you retire, so your retirement planning doesn’t stop at 65! It’s important to make sure your savings work for you in your retirement.

KiwiSaver is a relatively low-cost option for managing retirement savings, is well-regulated, and offers a broad choice of investment options. Understand your options with the Kiwi Wealth KiwiSaver Scheme.

More information

Managing your retirement savings

With the Kiwi Wealth KiwiSaver Scheme, you can make regular withdrawals and deposits and use your account as a convenient way to manage your retirement savings.

More information

Man working on laptop with papers in hand
Couple sitting on couch talking to woman

Making withdrawals and deposits

You are entitled to withdraw from your KiwiSaver account once you reach the qualification age for New Zealand Superannuation (currently 65) and have been a member of KiwiSaver for five years. If you joined KiwiSaver between the ages of 60 and 64, you won’t be eligible to withdraw your money until you’ve been a member of the scheme for five years. 

More information