• Boost your savings: Your contributions are matched by your employer (at least 3% of your salary). The government contributes 50 cents for every dollar you put into your KiwiSaver account, up to a maximum of $521.43 per year. If you contribute less than $1,042.86, the government contribution is pro-rated. For example, if you put in $900, you’d get $450 from the government. 
• Easy saving: Contributions are automatically deducted from your pay, making it easy to save without thinking about it.
• Flexible contributions: You can choose to contribute 3%, 4%, 6%, 8%, or 10% of your salary.
• Risk profile: Your risk profile helps determine the most suitable investment strategy for you. It considers how much risk you’re comfortable with and your financial goals.
• First home purchase: You can use your KiwiSaver savings to help buy your first home after at least three years of contributions. There are specific terms and conditions, so check with your adviser.

1. Check your eligibility: You must be a New Zealand citizen or entitled to live in New Zealand indefinitely and normally live in New Zealand.
2. Choose a KiwiSaver scheme: There are different KiwiSaver providers with various investment options. You can compare them to find one that suits your needs.
3. Sign up: You can join KiwiSaver through your employer when you start a new job, or you can sign up directly with a KiwiSaver provider.
4. Set your contribution rate: Decide how much of your salary you want to contribute (3%, 4%, 6%, 8%, or 10%).
5. Start saving: Once you’re enrolled, contributions will be automatically deducted from your pay and added to your KiwiSaver account.

Get in touch with RIVAL Wealth to talk to a financial adviser who can recommend the right fund for you to join. They are here to help you navigate your options and will recommend which KiwiSaver fund to join.