Manage your KiwiSaver

KiwiSaver is a Government initiative that provides incentives for growing a retirement fund. At Craigs, we think of KiwiSaver as part of your wider investment strategy. The Craigs KiwiSaver Scheme focuses on control and flexibility, helping you build a portfolio and make informed decisions alongside an experienced adviser.


What makes the Craigs KiwiSaver Scheme different is that you have the ability to create your own investment portfolio.

We have short-listed over 240 Australasian and international shares, funds and other securities so you can work with your Craigs investment adviser to build your own investment portfolio that suits your investment timeframe, goals, needs and appetite for risk.


Why Craigs KiwiSaver Scheme?

Our Craigs KiwiSaver Scheme gives you the freedom to select specific investments to grow your retirement fund, and we’re more than happy to guide your journey.

Flexibility to create your own portfolio

The Craigs KiwiSaver Scheme gives you the flexibility to create a tailored portfolio, specific to your goals, timeframe, and appetite for risk. The good news is we’ve already done the hard work by shortlisting over 240 Australasian and international shares, funds, and other securities available to be chosen by you.

Expert advice to guide the way

Investing can seem a little daunting at first. Fortunately, you’ll be assisted with expert advice to develop an investment portfolio with an adviser on hand to answer any questions you might have along the way.

The support of market-leading research

Thorough research is the cornerstone of everything we do. At Craigs, we have one of New Zealand’s largest and most highly-regarded private wealth research teams, providing in-depth analysis and tailored, timely recommendations. As a Craigs client, you can stay informed through our fortnightly and monthly research reports, publications, and email updates.

Monitor your progress online

You’ll be able to keep track of your Craigs KiwiSaver Scheme account on any device, anywhere, at any time. The value of your investment portfolio is updated daily, so you’ll have access to up-to-date information and reporting via the Craigs online portal or mobile app.

You can read more detailed information in our Craigs KiwiSaver Scheme Product Disclosure Statement.

Join or transfer to the Craigs KiwiSaver Scheme

Investing in the Craigs KiwiSaver Scheme gives you more control and flexibility. Apply online now.

Featured Background
“My KiwiSaver portfolio lets me invest in companies that I want to support. For me the ethical aspect is really important. I decide what to invest in but my adviser gives me recommendations along the way and answers any questions I might have.”
Craigs Kiwisaver Scheme Client

Craigs KiwiSaver Scheme FAQs & Documents

KiwiSaver is a Government initiative that provides incentives for eligible New Zealanders, including Government contributions (previously called Member Tax Credits) and employer contributions, aimed at helping you save for retirement.

You can join a KiwiSaver scheme if you are:

  • a New Zealand citizen, or entitled to live in New Zealand indefinitely, and
  • living or normally living in New Zealand (with some exceptions)

Click here to go to the Craigs Kiwisaver Scheme online application.

To be eligible to join the Scheme you must be:

  • Transferring from an existing KiwiSaver scheme; or
  • A non-KiwiSaver investor who is:
    • a New Zealand citizen or entitled to permanent residence in New Zealand; and
    • living in, or normally living in, New Zealand (subject to certain exceptions for state services workers).

There is no Crown guarantee in respect of any KiwiSaver scheme or investment product of a KiwiSaver scheme.

The nature of a KiwiSaver scheme means your savings are locked in until you are eligible for NZ Superannuation (currently 65).

However, you may be eligible to withdraw some or all of your KiwiSaver savings early in any of the following circumstances:

  • you are buying your first home or have previously owned a home before and have qualified as a ‘previous homeowner’ through Kainga Ora
  • you move overseas permanently to a country other than Australia
  • you suffer from an injury, illness or disability that results in you being totally and permanently unable to engage in work for which you are suited by reason of experience, education or training (or a combination of these things); or that poses a serious and imminent risk of death
  • you suffer significant financial hardship
  • you have a life-shortening congenital condition that is expected to reduce your life expectancy below 65
  • you are ordered to by the Court, for example under the Property (Relationships) Act
  • you have to make higher student loan repayments or have a New Zealand tax liability as a result of transferring money from a foreign superannuation scheme
  • you can withdraw any transferred Australian superannuation funds if you have reached 60, are retired and do not intend to work again
  • you die; your funds will form part of your estate

Each of these circumstances has rules around when a withdrawal can be made and how much you are able to withdraw.

Craigs KiwiSaver Scheme Product Disclosure Statement
PDF / 2.7 MB
Craigs KiwiSaver Scheme Investment Options Supplement
PDF / 2.1 MB
A cover to a Introduction to Craigs Kiwisaver Scheme brochure.
Craigs KiwiSaver Scheme Guide
PDF / 1.6 MB
Craigs KiwiSaver Scheme Other Material Information
PDF / 1.2 MB

How can we help?


Personalised investments

If you’d like the help of an expert adviser to develop a tailored investment strategy specific to your financial goals. We have a range of services and solutions that can be personalised to you and your family. Simply share your vision and we’ll map out the steps to get you there.


Craigs Women's Wealth

For over 15 years, our Craigs Women’s Wealth programme has empowered women to begin investing. By improving financial confidence and knowledge, we’re proudly helping create better outcomes for women, their families, and the wider community.


Growing wealth

Everyone’s approach to wealth is truly personal, so our approach to growing it for you is as unique as you are. We focus on your beliefs, values and ambitions, making our private wealth solutions tailored for you.


Managing retirement

You may be thinking about retirement, or perhaps you’re already there. We’ll work with you to manage and protect your wealth so you can head towards the lifestyle you want and deserve.

Why Craigs?


Expert advice in your region

Our locally-based expert advisers are here to provide comprehensive investment advice and we’ll support your financial aspirations with detailed, research-based insights. With a network of 19 locations nationwide, our expertise is never far away to help you achieve your investment goals.

Global and domestic research at your fingertips

Our research team is one of the largest in New Zealand. They deliver the very latest in local and global market insights. This includes detailed information and expertise on sustainable investing to support more considered investment choices.


Supporting Kiwi investing

We’ve been a proud kiwi business since we first opened our doors in 1984 and we’re 100% owned by current and former Craigs’ staff and directors. Today we are one of New Zealand’s leading investment advisory firms. During that time, we’ve assisted over 65,000 kiwis on their individual investment journey.

We’re local to you. Talk to an adviser today.

With over 19 locations nationwide, you have access to expert advice to manage your wealth, wherever you are. Remember, you can join the Craigs KiwiSaver Scheme if you are a New Zealand citizen or permanent resident who normally lives in New Zealand.