CONTRIBUTING TO YOUR FUTURE

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

• Contributions
• Member tax credits
• Your investment choices
  

CONTRIBUTIONS

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% or 8% 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 through member tax credits, 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.

MEMBER TAX CREDITS

There aren't many freebies in life, but the Government's member tax credit is about as close as it gets.

The member tax credit is a contribution from the Government of up to $521.43 a year and it can have a significant impact on how much money you have in retirement.

Ensure you're eligible to receive the maximum available amount in member tax credits by contributing at least $1042.86 each KiwiSaver year (between 1 July and 30 June) to qualify.

To see if you are on track to receive the full amount, log in to your Mercer KiwiSaver scheme account and go to "Your contributions."

You can check how much you've contributed and can top up your account to be sure you reach the $1042.86 target by 30 June.

If you became eligible part way through the year, you’ll receive a proportion of the maximum member tax credit.

YOUR INVESTMENT CHOICES

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.

YOU CAN CHANGE YOUR INVESTMENT OPTIONS AT ANY TIME

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.