Accessing your investment

Accessing your investment

Your Mercer KiwiSaver scheme account is designed to help you boost your standard of living in retirement. Generally, you’ll only be able to access your KiwiSaver funds once you reach the qualifying age for NZ Super, currently age 65, or – if you joined after you turned 60 – once you’ve been a member for 5 years.

To find out how much you're likely to need in retirement check out our Retirement Income Simulator tool.


You may be able to make an early withdrawal of part, or all of your savings if you're:

First home withdrawal

Once you’ve been a contributing KiwiSaver member for three years, you can withdraw all or part of your savings to use towards the purchase of your first home.  Before you take the leap and cash in your retirement savings to buy your first home, read our free guide to the KiwiSaver Home Start Scheme.

Serious illness

If you’re suffering from a terminal illness or can no longer work due to a permanent disability, you may be eligible to withdraw all or part of your savings.  
Don’t hesitate to contact us if you have any questions.

You’ll need to fill out an application form:


If you’re experiencing significant financial hardship, you may be able to withdraw some of your KiwiSaver savings. You’ll need to provide evidence to support your application and not every application is approved.

You’ll need to fill out an application form, but before you do, please call us and we’ll talk you through the rules and send you the form:


If you've moved overseas permanently and have been living overseas for a minimum of one year, you can withdraw your KiwiSaver savings from the Mercer KiwiSaver scheme.

If you’ve moved to Australia you can’t cash in your account but you can transfer your KiwiSaver to an approved Australian super fund under the Trans-Tasman Portability scheme.

In either case you’ll need to fill out an application form:

The information contained on this page is intended for general guidance only and is not personalised to you. It does not take into account your particular financial situation or goals. Before making any investment decision, you should refer to the product disclosure statement or consult an appropriately authorised adviser.

Toll free: 0508 MERCER (0508 637 237)
From overseas: +61 3 8687 1886
9.00am - 7.00pm

Monday - Friday (NZST/NZDT)

Write to us:

Mercer NZ, PO Box 1849
Wellington, New Zealand 6140


151 Queen Street
Auckland, New Zealand 1143
+64 (9) 928 3200

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