3 easy steps

Its as easy as 123

 Employee: Click here         Click here                 Click here

 Individual: Click here

If you have more time, we suggest you:

• Calculate how much you need to save for your retirement.
• Read the Investment Statement
• Do the online Investor Profiler
• Examine the Investment Fund(s) for your Kiwisaver
• Select your Prescribed Investor Rate (PIR) - here
• If employed select 4 or 8% contribution and Calculate. Check how much is taken from your pay?
• If not employed or self-employed Calculate a regular or lump sum to contribute. Adjust to meet your budget - what you can afford.
• Complete the appropriate application form for employee or individual 
• Submit, and your application will be emailed to you, print, check, sign and mail to FreePost ???, KiwiSaver, P O Box 34778, Birkenhead, North Shore City 0746
• Employees should advise their employer that they have joined a scheme. 

What happens next?

Your completed and signed application form is mailed to Fidelity for their processing. If you have included an email address, you will receive a confirmation of receipt, followed by a letter which contains your:

• Full name
• Member number FirstXXXXX
• IRD number
• Portfolio Investor Rate 
• Date of Birth
• Investment fund(s) selected

Please check that the above are correct. If not contact 0800 ?????? or  email Fidelity here;

After your first contribution has been received, a Membership Certificate will be issued by ?????. We will also mail a hard copy of The Fidelity KiwiSaver Scheme Investment Statement. We recommend that you keep both documents in a safe place. 

You will be given an access code to enable you to check your account details online ???.

Every six months, you will receive a newsletter which details the performance of the funds, and reviews main investment sectors and economies, and relevant news and developments. 

Later we recommend you:

1. Check the Membership Certificate on receipt from the Trustee and file in a safe place with the KiwiSaver Scheme Investment Statement
2. Review that your KiwiSaver is adequate for your planned retirement at egular intervals or as your life changes - see below.

Replacing older savings plans

There are many good reasons to replace older and sometimes more expensive plans. As well as significant savings, many like the security and proven performance of the KiwiSaver scheme with its government, (and employer), contributions.

We strongly recommend that you do not cancel your old investments until you have received and are happy with your KiwiSaver. Remember also that your KiwiSaver funds are locked-in until retirement age.

You might also consider keeping your older investments. Why: - your current investments may not be locked-in and are therefore available whenever needed as a deposit or for emergencies. Your current investment may also have penalty costs for early cancellation, or could be invested in better performing funds.

Make regular Reviews:

We recommend that you review your investment annually or whenever a major change in circumstances occurs. Examples may be:

• Buying a first home
• The birth of a child
• Starting a new job - if making employee contributions - tell your new employer.
• Buying or starting a business
• Marriage or divorce
• Nearing retirement
• Emigration, or major illness 

Your review could include re-entering your information into the online profiler and checking fund performance. If you need assistance or advice - contact us.