Kiwi Saver Project

It’s easy to join the AMP KiwiSaver Scheme

Whether you’re new to KiwiSaver or switching from another provider, you can apply to join the AMP KiwiSaver Scheme right now

Before you get started

You need to be over 18

Under 18? Learn more here

You will need your IRD number and ID documents

You can find it on your payslips or at

It will take about 5 minutes to complete

1. Your details Edit

Tell us about you and how we can get in touch.

It’s easy to switch from another KiwiSaver scheme. We’ll arrange to transfer your savings from your current scheme to the AMP KiwiSaver Scheme.

Please ensure you name matches the name on your ID documents.


2. Your funds +Edit

The AMP KiwiSaver Scheme has a range of funds to choose from. You have the option of our simple Lifesteps programme or choosing the funds that best fit where you’re at in life — for instance, saving for your first home. It’s easy to switch funds later.

Please note:

You can only be invested in a maximum of seven funds at any one time.

The suggested investment timeframe periods are:

Short-term: 1-3 years
Medium-term: 4-10 years
Long-term: more than 10 years


This innovative programme allocates your savings to the fund that corresponds with your age, updating automatically to reduce the potential for investment losses as you get older.

Diversified Funds

These blend a number of asset classes together in one fund to provide diversification, which can help to reduce overall investment risk.

Responsible Investment Funds

An option for those who want to invest in a diversified fund, and also want to align their responsible values to their savings.

Goals-based Funds

These deliver a specific investment outcome, rather than more traditional funds that are managed against a fixed benchmark.

Single Sector Funds

These funds invest in one particular asset class. You can combine Single Sector Funds to build your own diversified portfolio.

Let us know how you want to split your contribution between these funds.



Your total needs to add up to 100%, you are currently % .

The target mix of assets, investment objectives and fund managers for each of the funds as well as the funds available may change from time to time. See the fund updates on for up-to-date details.

3. Your employment and PIE tax information +Edit

Let us know your employment status and PIE tax rate.

If you're new to KiwiSaver, your contributions will start at 3% of your before-tax pay. If you're transferring from another KiwiSaver provider, your existing contribution rate will remain the same. To change your contribution rate, please let your employer know.


If you are unable to provide a NZ Driver Licence or NZ Passport, we will need to obtain further documentation from you. One of our Customer Service Representatives will call you to discuss how we can verify your identity.

Before your application for the AMP KiwiSaver Scheme can be approved, we need you to complete some ID verification documents. These will be sent to you via email after your application has been submitted.

4. Get the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet+

The law requires us to ensure you have a copy of the AMP KiwiSaver Scheme Product Disclosure Statement and Fund Update Booklet before you finalise your application. Now’s the time to get that sorted by clicking the button below.

We can’t go ahead without making sure you have a copy.

5. Complete your application +Edit

One last step and you’re good to go.

Please let us know your adviser’s details below.

We’ll let your adviser know about your KiwiSaver application if they are part of the nationwide network of advisers we support as part of the AMP Quality Advice Network.

  • 1. Your details
  • 2. Your fund
  • 3. Employment and PIE tax
  • 4. Product Disclosure Statement and Fund Update Booklet
  • 5. Complete details
Get an information pack

Learn more about the AMP KiwiSaver Scheme in our latest Product Disclosure Statement and Fund Update Booklet.

Download the AMP KiwiSaver Scheme Product Disclosure Statement
Download the AMP Fund Update Booklet
Download the AMP KiwiSaver Scheme Guide

Find out how much you could save

Fill in a few details and find out how much a difference in fees could add up to. How do we calculate this?

Here are your estimated total savings assuming you join KiwiSaver today, and you & your employer contribute until you are 65 or have been a member for 5 years - whichever is the later.

  • AMP Wealth Management New Zealand Limited

Disclaimer: This calculator gives indicative figures based on the assumptions found here.

Lower member fees are just the start.

  • Reduced member fees

    Our member fees dropped by 30% on 1 July 2014, so you get to keep more of what you save.

  • Government-appointed Default provider

    The AMP KiwiSaver Scheme is one of the Government-appointed KiwiSaver Default schemes, chosen after a rigorous selection process.

  • Nationwide adviser network

    We have a nationwide network of Financial advisers who can provide advice on KiwiSaver.

  • Easy access to view your balance

    You can monitor your AMP KiwiSaver Scheme savings online with My AMP or our My AMP App.

  • $4 Billion funds under management

    Join the 240,000 New Zealanders that already have over $4 billion funds under management with us and sign up today.

  • Helping Kiwis for 160 years

    As one of New Zealand’s first insurance and investment companies, we’ve been helping Kiwis with their financial security for 160 years.

Common questions

  • What is KiwiSaver?

    KiwiSaver is a long-term savings plan designed to help you save for your retirement. For most people it’s work-based, with contributions being deducted from your pay. Those contributions are invested in the fund(s) of your choice to deliver a return that could help boost your savings.

  • How much do I need to contribute?

    If you’re employed, your contributions are normally deducted from your salary or wages – at a rate of 3%, 4%, or 8%. You can also make voluntary contributions. Provided you’re contributing, you may also be entitled to an employer contribution of 3% of your gross salary or wages.

    If you’re self-employed or not working, you can make voluntary contributions with regular or occasional lump-sum payments.

    You may also be eligible to receive a Member Tax Credit from the Government, at the rate of 50 cents for each dollar you contribute up to a maximum Member Tax Credit of $521.43 per year.

  • When can I withdraw my money?

    KiwiSaver is designed to be a retirement savings scheme, which means you can withdraw your money when you reach your qualifying date (currently age 65), provided you’ve been a member of a KiwiSaver scheme or complying superannuation fund for at least five years.

    After your qualifying date, you can withdraw all or part of your savings at any time. You can set up a regular withdrawal from your AMP KiwiSaver Scheme account as a way of supplementing your income in retirement.

    Early withdrawals are permitted in some circumstances: serious illness, significant financial hardship, permanent emigration, and the purchase of a first or (in some cases) second home.

    Your balance is also payable to your estate if you die.

  • Can I use the savings to buy my first home?

    You may make a withdrawal to purchase your first home if three years or more have passed since Inland Revenue received your first contribution to a KiwiSaver scheme. You can only make one of these withdrawals.

    If you qualify, you can withdraw some or all of your savings excluding $1,000. The amount withdrawn must be used to purchase a home that will be your principal place of residence.

    Savings transferred to KiwiSaver from an Australian complying superannuation fund cannot be withdrawn under this withdrawal type (though investment earnings received on those savings after the transfer can be withdrawn).

    If you qualify for a KiwiSaver first home withdrawal, you may also be entitled to a HomeStart grant from Housing New Zealand.

Get an information pack

Learn more about the AMP KiwiSaver Scheme in our latest Product Disclosure Statement and Fund Update Booklet.

Download the AMP KiwiSaver Scheme Product Disclosure Statement Download the AMP Fund Update Booklet Download the AMP KiwiSaver Scheme Guide

Kids, chocolate fish and a whole heap of temptation.

See how our kids fared in the TV commercial for the AMP KiwiSaver Scheme.

AMP 'Sweet Rewards'

How an adviser could help

By taking the time to understand your situation, an adviser can recommend the most suitable KiwiSaver options for you.

Call 0800 267 263

Monday to Friday 8am to 6pm

A disclosure statement is available from your adviser, on request and free of charge.