Saving for the future

a young couple smiling at their computer in a modern house

Retirement can feel distant, especially in your 20s and 30s, but the foundations of financial security are laid much earlier than most people realise. The decisions you make in your first working decades can have a significant impact on your long-term outcomes, not because you need to contribute large amounts, but because your money has more time to grow.

The best investment is the one you made yesterday

Build the foundation
Focus on growth
Leave room for flexibility

Put your savings on automatic

Starting to invest as soon as you start earning with a product like KiwiSaver helps to build momentum over time.

Gain more with employer and government contributions

With KiwiSaver you can maximise available benefits like compulsory employer contributions as well as Government contributions if you're eligible.

Build the foundation

Put your savings on automatic

Starting to invest as soon as you start earning with a product like KiwiSaver helps to build momentum over time.

Gain more with employer and government contributions

With KiwiSaver you can maximise available benefits like compulsory employer contributions as well as Government contributions if you're eligible.

Long-term consistency

At this stage of your investment journey the best thing you can do is be consistent. Short-term market volatility is generally less significant than the risk of under-investing or failing to remain invested over time.

Consider your timeframe

If your investment timeframe allows, consider allocating to higher-growth investment options to help your investment grow more over time. Explore your options with our Fund Finder.

Focus on growth

Long-term consistency

At this stage of your investment journey the best thing you can do is be consistent. Short-term market volatility is generally less significant than the risk of under-investing or failing to remain invested over time.

Consider your timeframe

If your investment timeframe allows, consider allocating to higher-growth investment options to help your investment grow more over time. Explore your options with our Fund Finder.

Build a buffer

Having an emergency fund helps you cover unexpected costs without dipping into your long‑term investments.

Improve as you go

Review your contribution rate periodically and increase it as your income grows to accelerate progress toward your retirement goals.

Leave room for flexibility

Build a buffer

Having an emergency fund helps you cover unexpected costs without dipping into your long‑term investments.

Improve as you go

Review your contribution rate periodically and increase it as your income grows to accelerate progress toward your retirement goals.

The best investment is the one you made yesterday

Put your savings on automatic

Starting to invest as soon as you start earning with a product like KiwiSaver helps to build momentum over time.

Gain more with employer and government contributions

With KiwiSaver you can maximise available benefits like compulsory employer contributions as well as Government contributions if you're eligible.

Build the foundation

Put your savings on automatic

Starting to invest as soon as you start earning with a product like KiwiSaver helps to build momentum over time.

Gain more with employer and government contributions

With KiwiSaver you can maximise available benefits like compulsory employer contributions as well as Government contributions if you're eligible.

Long-term consistency

At this stage of your investment journey the best thing you can do is be consistent. Short-term market volatility is generally less significant than the risk of under-investing or failing to remain invested over time.

Consider your timeframe

If your investment timeframe allows, consider allocating to higher-growth investment options to help your investment grow more over time. Explore your options with our Fund Finder.

Focus on growth

Long-term consistency

At this stage of your investment journey the best thing you can do is be consistent. Short-term market volatility is generally less significant than the risk of under-investing or failing to remain invested over time.

Consider your timeframe

If your investment timeframe allows, consider allocating to higher-growth investment options to help your investment grow more over time. Explore your options with our Fund Finder.

Build a buffer

Having an emergency fund helps you cover unexpected costs without dipping into your long‑term investments.

Improve as you go

Review your contribution rate periodically and increase it as your income grows to accelerate progress toward your retirement goals.

Leave room for flexibility

Build a buffer

Having an emergency fund helps you cover unexpected costs without dipping into your long‑term investments.

Improve as you go

Review your contribution rate periodically and increase it as your income grows to accelerate progress toward your retirement goals.

This information is provided for general educational purposes only and should not be considered personalised financial advice.

3 ways to invest with MAS

1

MAS KiwiSaver Scheme

With the MAS KiwiSaver Scheme you can also receive employer contributions, the annual Government contribution and have the flexibility to withdraw for a first home or stay invested past retirement age.

2

MAS Retirement Savings Scheme

The MAS Retirement Savings Scheme is a superannuation account with the flexibility to start withdrawing your retirement savings earlier and transfer UK pension money. It is recognised by Te Whatu Ora Health New Zealand and the Royal New Zealand College of General Practitioners.

3

MAS Investment Funds

For anyone who wants the flexibility in saving for different investment goals, MAS Investment Funds give you the option to withdraw funds when and if you need them. You can also invest on behalf of your children by opening a MAS Investment Funds account for them.