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Planned system outage - 12 September 2026 | Our online services including myIR, self service phone lines and gateway services will be unavailable on Saturday 12 September, 2026 from 1pm to approximately 10.30pm while we complete a planned system update. We apologise for any inconvenience this may cause.

Te KiwiSaver mēnā e penapena kē ana au mō taku ahungarua KiwiSaver if I'm already saving for my retirement

KiwiSaver
What
Compare your existing savings plan with KiwiSaver.
Who
Those with existing savings plans.
When
Anytime

If you're already saving for retirement you can compare your retirement or superannuation plans with KiwiSaver before you decide whether to join.

If your existing retirement or superannuation plan is a complying fund its benefits and rules are similar to KiwiSaver's. Ask your provider if you do not know if your scheme is a complying fund.

Your employer only has to pay a total 3.5% compulsory employer contribution regardless of whether you’re a member of both KiwiSaver and a complying superannuation scheme. You can still join KiwiSaver if you’re a member of a complying superannuation scheme.

Ask your employer or existing superannuation provider for more information. You can also consider talking about your options with an authorised financial advisor.

Last updated: 01 Apr 2026
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