Grow your investment


Every little thing you do today could add up to a better tomorrow. Find out how you can grow your retirement savings through:


Contributions to your KiwiSaver account can come from you, your employer and also from the Government:

  • Your employer contributes 3% minimum of your before-tax salary or wages, but may also contribute at other rates
  • You can choose to make contributions of 3%, 4%, 6%, 8% or 10% from your before-tax salary or wages
  • You can also make voluntary contributions directly to your Mercer KiwiSaver scheme account or via Inland Revenue
  • The Government may contribute to your account if you’re eligible

See the difference additional contributions can make, estimate your potential balance at retirement and discover what type of investor you are online in our Retirement Income Simulator and Risk Profiler Tool.


One way to keep your KiwiSaver account growing is to contribute and you could receive $521.43 into your KiwiSaver account from the Government every year. If you’re eligible, the Government will contribute 50 cents for every dollar you contribute to your KiwiSaver account, up to a maximum of $521.43 each year.

To receive $521.43, you need to contribute at least $1,042.86 to your KiwiSaver account during the year between 1 July and 30 June. Employee or voluntary contributions count towards receiving this Government contribution.  

Generally, you should receive $521.43 from the Government if you’ve been a KiwiSaver member for the full year, earn over $35,000 per annum and contributed at least 3% to your KiwiSaver account or you have contributed more than $20 per week on average during the year.  If you join KiwiSaver or turn 18 years part way through the year, you will receive a Government contribution based on the number of days in the year you’ve been eligible.

Sign in to your online account where under “Account Activity” you can check how much you have contributed to ensure you reach the $1042.86 target and/or if you need to top up your account before 30 June. An easy way to top up is to pay directly into your KiwiSaver account via your online banking by searching for ‘Mercer KiwiSaver scheme’ as a new payee. You can also top up via direct debit or cheque.


Mercer’s schemes are designed to help you achieve financial freedom – and we’re the most awarded global financial services provider in New Zealand  with the smarts to get you the returns you deserve.

You can choose to invest all of your savings in one option, or split your savings between the different options. Over time your needs might change so it’s a good idea to regularly check whether the investment option you have chosen is still right for you.

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


To change options you can sign in to your KiwiSaver account online, or call our Helpline team on 0508 637 237.


Note: Different fees are charged for each investment option.


The investment option(s) you choose can have a big impact on your account balance. Your savings goals and the timeframe for achieving them are not the only thing you should be considering when choosing your investment option.

You can try our Risk Profiler Tool, or If you would like to discuss which is the best investment option for you, call us on 0508 637 237 and arrange to speak with one of our advisers.

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.

The features of the Scheme described in this website incorporate changes to the KiwiSaver Act that were made by Parliament in March 2019. Those changes have yet to be included in the product disclosure statement for the Scheme. For a summary of the changes that were made to the KiwiSaver rules in March, see Mercer KiwiSaver scheme regulatory update.
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Mercer NZ, PO Box 1849
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Auckland, New Zealand 1143
0508 637 237

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