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Fidelity KiwiSaver Scheme

Increase your retirement savings. Get your government and employer contributions. Already joined a government selected default scheme and wish to control your own funds? Self or not employed and want to pay the minimum and optimise your KiwiSaver scheme? Want to give a great start for your children or grandchildren? Unhappy with your current KiwiSaver scheme performance - see Comparison - join the Fidelity KiwiSaver scheme. DIY on this site.

Over 1.8 million Kiwis have now joined KiwiSaver.

Budget 2011 changes:

The Government are halving the up to $20 per week ($1043 pa) matching government contribution tax credit of $1 to 50c or up to $521 for the year ending 30 June 2012 and beyond.

From 1 April 2013 the minimum employee and employer contribution will rise from 2% to 3%.

From 1 April 2012 all employer contributions will be subject to Employer Superannuation Contribution Tax.

You can join the Fidelity KiwiSaver scheme here online as an employee or an individual (self employed or not working or children). Here's how.

Employee or Individual Profiler Apply Now

BENEFITS:

If you are under 65, the government gives you:

$1,000 kickstart
if you are over 18 your contributions will be matched by a tax credit of up to $20 per week. ($10 for year ending 30 June 2012),
Employees can choose to contribute 2%, 4% or 8%. The default rate is 2%. (3% from 1 April 2013).
from 1 April 2009, all employees contributions also get a minimum matching employer contribution of 2% (3% from 1 April 2013),
After three years of saving, some savers that are first home buyers will be eligible for a housing deposit subsidy of $1,000 per year of saving, up to $5,000 in total.

Since 1 April 2009, existing employee members may choose to reduce contributions to 2%. To do this complete this form (KS2) and pass it to your employer.

In late 2009, new PIE and PIR rules were announced - see KiwiSaver and Tax. New PIR rates applied from 1 Oct 2010.

The government also plans to remove the obstacles in transferring savings to and from Australia. See 2010 Update

After reviewing the many options, we have chosen to support the Fidelity KiwiSaver scheme as a credible, comprehensive, secure, and experienced provider, which can be expected to consistently perform over the long term. The selected scheme is well designed, portable and flexible and should meet the majority of Kiwis needs, whether you are an employer, employee, self-employed or an individual, now and into the future. FidelityLife is a New Zealand owned company and will not be subject to the decisions and vagaries of overseas owners.

7 funds provide a wide choice. You may spread your investment over up to 4 funds. For more details see - Investment Funds Existing members can use this form to switch funds. If you are already in a KiwiSaver scheme and wish to change to the Fidelity Kiwisaver scheme, just complete an application and we will do the rest. We will advise IRD and your existing funds and new contributions including government and employers, will be automatically forwarded to your new scheme. Just follow the process described above.

In addition the Fidelity KiwiSaver scheme offers additional benefits, which include:

Free $10,000 "death by accident" top-up cover ($2,000 if aged under 10) for contributing members.
Accessibility - online secure web access to your FidelityLife KiwiSaver member account.

Fidelity KiwiSaver scheme funds are ranked amongst the best performing over the last three year period - see Comparison

FidelityLife has just been selected by FundSource as the KiwiSaver Fund Manager for 2011. For details - see this press release.

If you have not already joined a KiwiSaver scheme, consider using some of your recent tax cuts, to make a start.

Costello Financial Services FSP64521 has provided investment advice to Kiwis since 1970. We are members of the Institute of Financial Advisers. Our staff includes Authorised Financial Advisers (AFA). This site only provides generic advice. For advice specific to your circumstances we recommend you contact an AFA.

Disclosure Statements relating to the financial advisers associated with this document are available on request and free of charge.

This website is operated by Costello Financial Services and is not endorsed by, or affiliated with, the New Zealand government or Inland Revenue. Costello Financial Services is using the KiwiSaver trade mark and logo under licence 201020 from Inland Revenue. To view the official New Zealand government KiwiSaver website please click here.

We are also leaders in providing other financial services online - see links below.

Life . Accident . Illness . Disablement . Income . Medical . Funeral