KiwiSaver Questions

Detailed answers to your questions about KiwiSaver

KiwiSaver is one of our largest investments and will play a huge role in many Kiwis retirements. National Capital, a KiwiSaver advisory company has attempted to answer in detail questions that many of us have about KiwiSaver.

However, please note that this is not personalised financial advice. If you want advice based on your own circumstances and goals, please start by submitting our KiwiSaver HealthCheck.

What is considered hardship for KiwiSaver?

Explore KiwiSaver hardship withdrawal criteria, including living expenses, mortgage issues, medical costs, etc. Consult your scheme provider for details.

What Is The 3-Year Rule For KiwiSaver?

Learn about the KiwiSaver's 3-year rule for first-home buyers and how to withdraw eligible contributions for your first home in

QuickFire Finance Course

This Free online course aims to provide a quick and easy way to help you learn and become more financially secure.

To keep things engaging we’ve got videos, blogs and more for you to learn from.

What’s the difference between mysuper and KiwiSaver?

Differences between KiwiSaver and MySuper retirement schemes. KiwiSaver offers flexibility in NZ, MySuper is Australia's compulsory, simplified system.

Are KiwiSaver Contributions Taxed?

Learn how the Member Tax Credit can effortlessly boost your savings tax-free, while your earnings are potentially subject to PIE

Can I Gift My KiwiSaver To A Family Member?

Explore using KiwiSaver funds to assist families in situations like buying a first home, financial hardship, serious illness, or planning

Is It Compulsory For Employers To Pay KiwiSaver?

Explore KiwiSaver employer contributions: Learn if it's mandatory for them to contribute 3% of your salary and understand the impact

What Are The Potential Disadvantages Of KiwiSaver?

Potential KiwiSaver downsides: fees, market fluctuations, limited access, performance tied to markets, and risk of missing government contributions.

What Is The Best KiwiSaver Fund To Be In?

Selecting the right KiwiSaver fund depends on your financial goals, risk tolerance, and timeframe options, from conservative to high-growth funds.

Does the government still contribute to KiwiSaver after 65?

At 65, KiwiSaver gov contributions end. Explore retirement options like NZ Superannuation. Stay updated on eligibility with authorities or your

How much do I need in KiwiSaver for retirement?

Explore KiwiSaver hardship withdrawal criteria, including living expenses, mortgage issues, medical costs, etc. Consult your scheme provider for details.

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A copy of our advisers’ disclosure statement is available on request and free of charge. The views and opinions expressed in this newsletter are not intended to be a personalised service for an individual retail client. The views and opinions are general in nature and may not be relevant to an individual’s circumstances. Before making any investment, insurance or other financial decisions, you should consult a professional financial adviser.