Kiwisaver facts



It’s easy to deposit money into your Mercer KiwiSaver scheme account.

You can make regular or lump sum contributions directly into your account from your online banking by searching for Mercer KiwiSaver scheme as a payee and follow your banks instructions to complete the process. There are no minimum contributions when you make contributions this way.

You can also set up an automatic payment.


Whether you’re an aggressive investor with an appetite for risk, prefer to play it safe or are somewhere in between, we’ve got an investment option for you. Our global investment expertise is why our performance is consistent and tailored for the New Zealand market.

You can find out more about the seven investment options here.


Mercer will deduct or refund tax on your behalf. You simply need to provide us with your IRD number and your Prescribed Investor Rate (PIR).

Mercer KiwiSaver scheme is a Portfolio Investment Entity or what’s known as a PIE. This means any money you make through your investment will be taxed.

The PIR is the rate at which it will be taxed. A PIR is based on your taxable income, e.g. income from salary, wages and any additional sources of income that you would include in your income tax return.


The fees you pay vary depending on the investment option(s) you invest in. Please refer to the table below.

Fees are deducted from your investments and will also depend on the tax rate.

There are currently no contribution, establishment, termination or withdrawal fees charged to you and you are not currently charged any other fees on an individual basis for investor specific decisions or actions.


Your online account gives you secure access to your investment information anywhere anytime.

By logging in to your account you can:

  • View your personal account details.
  • Monitor and change your investments.
  • Review your contributions.
  • Update your details.
  • Access a full range of financial tools and calculators.


You will receive regular updates about your account and investment performance:

  • Investment reports published monthly on this website.
  • Our Annual Report, providing a review of each year and a full update on investment performance.
  • Our digital newsletter, Mercer Magazine, which provides the latest information on KiwiSaver and ideas to help you grow you wealth and stay healthy.


Not knowing all the facts could cost you money.

It’s important you know what the Mercer KiwiSaver scheme offers you.

Our Helpline team can explain how your account works and answer general questions about your retirement savings. You can call them on 0508 637 237, 9am to 7pm on all business days.

Our Helpline team can also connect you with our financial advice team. You should take the time to consult with the financial advice team when you are considering your investment fund options.

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 8306 0971
9.00am - 7.00pm

Monday - Friday (NZST/NZDT)

Write to us:

Mercer NZ, PO Box 1849
Wellington, New Zealand 6140

Commercial Bay

PWC Tower, 15 Customs Street West,
Auckland, New Zealand 1010
0508 637 237

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