Staying on top of your MAS KiwiSaver Plan or MAS Retirement Savings Plan is important. Use the information on this page to help you manage your investment funds.

Manage your MAS investments online

You can check your balance, transactions and manage your personal details via the MAS Investor Portal. You can access this by clicking here.

If you have not yet registered your account at our Administration Manager (Link Market Services) you can follow the instructions below.

  1. Click here to open the MAS Investor Portal
  2. Click on 'Register a New Account'
  3. Enter your Member number (this can be found in emails we have sent you)
  4. Enter your date of birth
  5. Tick 'Accept terms and conditions'
  6. Hit 'Continue registration'
  7. Enter the email which you wish to login with in the future
  8. Enter your choice of password (must be at least 8 characters and include upper and lower-case letters, at least 1 number and at least 1 symbol)
  9. Wait for the confirmation email
  10. Click on the registration link to complete your registration

If you have any issues please contact us on 0800 627 738, or email

View multiple investment accounts at once

To link another account to yours in the MAS investor portal call us on 0800 627 738 or send an email to with the account you wish to have linked and the account number you wish to link it to.

Please note that it may be necessary to get the permission of the other Member whose account you wish to link to. We will contact them directly to get this and will then send you a confirmation email when the link is complete.

Prescribed Investor Rates (PIR)

The table below will help you to work out your Prescribed Investor Rate (PIR).

To talk to a MAS adviser, phone us on 0800 800 627.

Is your PIR correct?

The tax you pay on your investment in the MAS KiwiSaver Plan or MAS Retirement Savings Plan is based on the PIR we have recorded for you. To confirm the PIR we have recorded for you is correct follow these steps:

  1. Log in to the MAS investor portal.
  2. Select 'My Account at the top of the page.
  3. Check that the PIR recorded at the bottom left of the page is correct.
  4. If you are unsure, click on the link below the PIR selection option box and it will take you to the IRD website to help you determine the correct PIR for you.

New Zealand tax residents 



New Zealand residents are taxed at a PIR of 10.5%, 17.5% or 28%.


Individuals who had, in either of the two years immediately before the tax year to which the PIR applies, both:

  • taxable income of $14,000 or less; and
  • taxable income plus income allocated by PIEs of $48,000 or less.


Individuals who do not qualify for the 10.5% rate and who had, in either of the two years immediately before the tax year to which the PIR applies, both:

  • taxable income of $48,000 or less; and
  • taxable income plus income allocated by PIEs of $70,000 or less.


  • Individual investors who do not qualify for the 10.5% or 17.5% PIR.
  • Individual investors who do not provide an IRD number.

Joint investors

Joint investors are taxed at the higher of their respective PIRs. That is 0%, 10.5%, 17.5% or 28%.


All non-resident investors have a PIR of 28%.

New Zealand tax resident entities (companies and charities) 

New Zealand tax resident companies and charities must elect a PIR of 0%.

Family Trusts

Family trusts can either select a PIR of 0%, 17.5% or 28%.The rate chosen would be the one that best suited based on the tax rates of the underlying beneficiaries. 


A partnership must elect the highest applicable PIR of any one of the holders: 0%, 10.5%, 17.5% or 28%.


Government Contribution

One of the great benefits of KiwiSaver is you’re rewarded for saving! Remember that you have until 30 June to ensure you get your maximum entitlement from the Government. The Government contribution for the year ending 30 June 2020 is 50c for every $1 a member contributes to KiwiSaver. You will need to have contributed at least $1,042.86 to be eligible for the maximum Government contribution of $521.43.

To be eligible for the maximum of $521.43, you need to:

  • be aged 18 or over.
  • be aged under 65, unless you have been in KiwiSaver less than 5 years.
  • have personal contributions of at least $1,042.86 during the year – employer’s contributions and Inland Revenue interest don't count.
  • have been in KiwiSaver the full year to 30 June 2020.

You’re also eligible for a partial payment – generally $10 per week – if you meet any of the eligibility criteria for part of the year. For example, if you contribute $200 you would be eligible for a Government contribution of $100.

Making contributions

If you want to top up your account to maximise your Government contribution, you can make contributions directly to your MAS KiwiSaver Plan account.

You can do this by:

  • making a direct credit (through internet or phone banking) to account:
  • sending a cheque made payable to 'MAS KiwiSaver Plan' to:
    MAS Superannuation, Freepost 884, PO Box 3167, Shortland Street, Auckland 1140.

Please include your Member number, initials and surname and 'MAS KiwiSaver' as reference details with your payment.

Once you've paid in at least $1,042.86 (or a pro-rata amount if not eligible for the full entitlement), there's nothing more to do – we'll claim your entitlement from Inland Revenue on your behalf.