What is KiwiSaver?

KiwiSaver  is a voluntary long term savings plan to help you save for your retirement

For employed people –  contributions from you and your employer are deducted from your pay.

Contributions are invested into funds of your choice – you can speak to a Certus Adviser to help you select the fund options

suitable for your lifestyle and financial situation

To help you select your fund options – click Check your risk profile




What is my Prescribed Investor Rate (PIR)?

You may have received a letter from the IRD recommending that you change your PIR . Please follow below guide to confirm your PIR and then EMAIL:  pamela@certusnz.co.nz  if you wish to update your PIR.    

Certus wins Adviser Business of the Year, again!

Certus Wins again!ANNUAL AMP AWARDS 2019  AMP Adviser Business of the Year 2018 – Certus Financial GroupAMP Large Adviser Business of the Year 2018 – Certus Financial GroupGeneral Insurance Champion Award (and Silver Ribbon) – James LiEmerging Adviser of...

KiwiSaver Changes in 2019

From 1 April 2019  Contribution Rates - Two new contribution rates added to KiwiSaver,  6%and 10% . You can now select  3%, 4%, 6%, 8% and 10% Contribution Holiday renamed "Saving Suspension" The suspension will now also have a maximum period of one year...

KiwiSaver Member Tax Credits

$521 Credited to your KiwiSaver account July each year by the NZ Government TO QUALIFY You are Eligible for Member Tax Credits you need to contribute at least $1042.86/yr between 1 July and 30 June (this is the member tax credit year) been a member for a full year if...

Using KiwiSaver to buy your first home

FAQ Accessing KiwiSaver to buy your first home You must have been a KiwiSaver member for 3 years or more For purchase of your first home, not an investment property -    Property can either be bare land (without a house) which you intend to build your home on...

Call to lower KiwiSaver contribution rate to 1pc

Blair Vernon , Managing Director, AMP Financial Services says more needs to be done to get people contributing to KiwiSaver. Many of the people who do not contribute to KiwiSaver on a regular basis are on a low income or are not in paid employment, research suggests....

On the trail of the missing KiwiSavers

The 10-year anniversary of KiwiSaver takes place next month, and still the mystery of the missing KiwiSavers remains unsolved. KiwiSaver launched on 1 July 2007 in the optimistic period before the Global Financial Crisis shook the world. It was to be the super scheme...