KiwiSaver

savings for retirement and more

Setting savings goals and achieving them is a great feeling. KiwiSaver is a painless way to regularly put a little aside for your future. Be it your first home or retirement, joining a KiwiSaver scheme is worth a look.

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first home assistance

While KiwiSaver is primarily designed to save for retirement, it has the following benefits for first home buyers: 

» If you’ve never owned a home before (and meet other eligibility criteria under the KiwiSaver Act), you may withdraw some or all of your KiwiSaver savings to put towards the purchase of your first home.

» If you are eligible to make a first home withdrawal, you may also be eligible for a KiwiSaver HomeStart grant. This is a tax-free government benefit that could be worth thousands towards your first home. The longer you’ve been contributing to a KiwiSaver scheme, the larger the potential benefits. Check out KiwiSaver.govt.nz for more information.


KiwiSaver

KiwiSaver is a painless way to regularly put a little aside for your future. If you’re employed, regular contributions can be deducted from your pay and while you’re contributing your employer must also make contributions to your savings.KiwiSaver is a voluntary savings scheme that will help with your long-term retirement savings. KiwiSaver is designed to be easy. 

» If you’re employed, your employer contributes to your savings too.

» Your KiwiSaver contributions come out of your pay before you even see it.

» The government contributes to your KiwiSaver savings as well with an annual member tax credit (if you are a contributing member aged 18 or over) of up to maximum of $521.43 (provided you meet certain eligibility criteria).


Lifestages KiwiSaver Scheme

Funds Administration New Zealand Limited (FANZ), a subsidiary of SBS Bank, is the provider of the Lifestages KiwiSaver Scheme. FANZ also has Authorised Financial Advisers located in SBS Bank branches around the country.

The Lifestages KiwiSaver Scheme gives you control without you needing to micro manage your investments. You can choose the “Lifestages Auto” investment option which automatically changes your exposure to income and growth assets as you grow older. Alternatively, FANZ’s Authorised Financial Advisers are available to discuss your investment options, and together come up with the best way for you to save for your future. The Lifestages KiwiSaver Scheme is flexible too, so as your life and needs change, your investments can change as well.

» A knowledgeable team who will help you figure out your investment profile

» A choice of investment portfolios that meet your needs

» Access to a wide range of investments

» Lifestages Auto takes away the hassle of reviewing your investments and delivers the right investment mix for you at the right stage of life. This lets you get on with doing other things in life!


how do i invest?

You can switch from your current KiwiSaver scheme to the Lifestages KiwiSaver Scheme at any time. So today is a great time to book a free appointment with a FANZ Authorised Financial Adviser to discuss this. They’ll discuss your investment options to determine how your future income and financial needs can be met.


Click here to find the Lifestages KiwiSaver Scheme Product Disclosure Statement and how to sign up

 

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important information

You should carefully consider whether the Lifestages KiwiSaver Scheme referred to is appropriate for you and read the product disclosure statement before making any investment decision. In addition, you may wish to seek financial advice before you make any investment decision. Financial advice can be obtained through a Funds Administration New Zealand Limited (FANZ) Authorised Financial Adviser. A disclosure statement for each FANZ Authorised Financial Adviser is available, on request and free of charge.

FANZ, a subsidiary of Southland Building Society (SBS Bank) is the Manager of the Lifestages KiwiSaver Scheme, and Trustees Executors Limited (TEL) is the Supervisor of the Lifestages KiwiSaver Scheme.The capital value, performance, principal, and returns of the Lifestages KiwiSaver Scheme are not guaranteed or secured in any way (either partially or fully) by FANZ, SBS Bank (or any other entity within SBS Bank group), TEL, or any other person. Investments in the Lifestages KiwiSaver Scheme do not represent deposits or other liabilities of FANZ or its parent SBS Bank and are subject to investment risk, including possible delays in repayment and loss of income and principal invested.A copy of the Product Disclosure Statement for the Lifestages KiwiSaver Scheme is available at www.lifestages.co.nz, from a FANZ Authorised Financial Adviser or any SBS Bank branch. The information on this page is general in nature and is subject to change. In particular, the information relating to KiwiSaver and the Lifestages KiwiSaver Scheme is based on KiwiSaver legislation in place at the date of publication. This legislation is subject to change, which could affect the operation of KiwiSaver and/or the Lifestages KiwiSaver Scheme or your investment in the Lifestages KiwiSaver Scheme.

KiwiSaver scheme
 
A copy of the current Southland Building Society (SBS Bank) Disclosure Statement along with our Term Investment Terms & Conditions and QFE Adviser Disclosure Statement are available on request and free of charge from any branch or agency of SBS Bank or on this website
© Southland Building Society, 2016