Home|About HTL|Team|Your Family|Your Business|Your Land|Insurance Calculators|News|Contact

HTL Insurance and Investment -

0508 267 267

Life Insurance

Income protection

Trauma cover

Disability cover

Fire and general insurance


Travel Insurance


KiwiSaver is an easy and affordable way to save for your retirement. Find out how it works and how we can help you join and maximise your returns.

KiwiSaver is a voluntary work-based savings initiative that makes it easier for you to save for your future as it puts into a KiwiSaver scheme from your weekly, fortnightly or monthly pay.

KiwiSaver currently offers a number of benefits* including:

  • an annual Member Tax Credit contribution of 50 cents for every dollar you save, up to a maximum of $521.43 (if eligible)
  • compulsory contributions from your employer (if eligible)
  • help with buying a first home.

* Not all KiwiSaver members will be entitled to receive these benefits and these benefits will change from time to time.

KiwiSaver and first home buyer benefits
Once you have been a member of a KiwiSaver scheme for three years, you may be able to withdraw your contributions and your employer's contributions to help you buy your first home. You may also be entitled to a home purchase subsidy from Housing New Zealand of $1,000 for each year of contributions (up to a maximum $5,000). Conditions apply to both benefits. 

Who can join KiwiSaver
You can join KiwiSaver if you're:

  • below the qualifying age for New Zealand superannuation (currently age 65)
  • living or normally living in New Zealand (with some exceptions)
  • a New Zealand citizen, or entitled to live in New Zealand indefinitely.

If you're starting a new job and you're over 18, generally you'll be automatically enrolled in a default KiwiSaver scheme, if you're eligible. You then have from week two until week eight to decide if you want to remain in KiwiSaver or opt out.

KiwiSaver is not just for those who are employed. Even if you're not working or self-employed, you can still contribute to KiwiSaver and enjoy some of the benefits it offers.

Join KiwiSaver now
If you would like more information contact an Adviser or give us a call. 

The information on this web page is a summary of KiwiSaver only and is believed to be accurate at the time of release (April 2009). Please refer to www.kiwisaver.govt.nz or www.amp.co.nz for more information. AMP Services (NZ) Ltd, The New Zealand Guardian Trust Company Limited and related companies do not accept liability for, or consequence, of any error or omission.

A free disclosure statement is available on request and free of charge.