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Worried about a drop in your KiwiSaver balance?
Markets are currently experiencing a period of high volatility, impacting KiwiSaver balances. Unless you plan to use your KiwiSaver funds soon, changing to a lower risk fund will lock in any losses and may limit future growth. Learn more.
Why ASB for your KiwiSaver investment?
Committed to delivering you strong long-term returns
We work with some of the world's leading investment managers, including BlackRock, to help you get the most out of your KiwiSaver investment. View past returns.
Great value with our below market average fees
Fees have a big impact over the long term. By keeping our fees competitive, more of your money stays invested to grow. View funds and fees.
Easy & convenient
Track and manage your KiwiSaver account in the ASB Mobile App and FastNet Classic internet banking, with our team of specialists here to help where and when you need it.
We're proud to be helping around half a million New Zealanders who choose the ASB KiwiSaver Scheme to invest for their future.
Strong performance over the long term
Our ASB KiwiSaver Scheme Growth, Balanced and Moderate funds have all outperformed the market average over 10 years.
Per annum returns based on 10-year performance data from the latest Morningstar KiwiSaver survey for 31 December 2024. Past performance is not a guarantee or indication of future performance. For more information on ASB KiwiSaver Scheme fund performance see our performance page.
Take a look at your future
Want to see how much you're on track to have for your first home or retirement? Log in to try our KiwiSaver calculator and advice tool.
Automate your investing
Investing small amounts regularly can make a big difference to your future.
Set up an auto-transfer today:
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Log in to the ASB Mobile app or FastNet Classic Internet banking
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Select the account you'd like to transfer from and your ASB KiwiSaver Scheme or ASB Investment Funds account you'd like to transfer into
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Enter the amount you'd like to transfer each week, fortnight or month, and the date you'd like the first transfer to be made to set up a contribution schedule
You can make changes to or cancel your transfer schedule at any time.
Need some help to get on track? Speak to a KiwiSaver specialist.
No matter the size of your balance, our team of KiwiSaver specialists can help you make the most of your KiwiSaver account with free personalised advice.
- Call us on 0800 272 738 between 8:00am to 6:30pm during the week, or 8:30am to 5:00pm on Saturdays.
- If you'd like to meet in person, you can simply pop into your local ASB branch.
Ways to use your KiwiSaver savings
Buying your first home
Learn how you can use KiwiSaver to buy your first home or if you're ready to buy your first home, find out how to make a KiwiSaver first home withdrawal.
When you turn 65
You can access your KiwiSaver savings when you turn 65. You can also choose to keep investing. Learn how to make the most of your KiwiSaver savings after you turn 65 or apply for an initial withdrawal.
If you are facing significant financial hardship
You may be eligible to withdraw some of your KiwiSaver savings early. Find out more about the eligibility criteria, application process and how long it takes.
Learn more about all the circumstances where you might be able to access your savings early.
Make the most of your KiwiSaver account
ASB Aggressive Funds
Looking for aggressive investment options? Our Aggressive Funds aim for the highest returns of all our funds over the long term, for those who can accept more ups and downs.
ASB Investment Podcast
Stay up to date with the latest insights, investment news and market commentary from our team of experts.
Boost your KiwiSaver savings with True Rewards
Redeem your True Rewards dollars straight into your ASB KiwiSaver Scheme account.
Get in touch
Experiencing significant financial hardship?
If you're currently experiencing financial hardship, we're here to help with any questions you may have about applying for an early KiwiSaver withdrawal.
We’re here to help you
Frequently asked questions
Manage your ASB KiwiSaver Scheme account
A Product Disclosure Statement for the ASB KiwiSaver Scheme has been lodged with the Registrar of Financial Service Providers. It is available from this website, or you can obtain a copy by emailing retire@asb.co.nz.
BlackRock Investment Management (Australia) Limited is a subsidiary of BlackRock, Inc.
Interests in the ASB KiwiSaver Scheme (Scheme) are issued by ASB Group Investments Limited, a wholly owned subsidiary of ASB Bank Limited (ASB). ASB provides Scheme administration and distribution services. No person guarantees interests in the Scheme. Interests in the Scheme are not deposits or other liabilities of ASB. They are subject to investment risk, including possible loss of income and principal invested. Fees may change. For more information see the ASB KiwiSaver Scheme Product Disclosure Statement available from this website and the register of offers of financial products at www.disclose-register.companiesoffice.govt.nz (search for ASB KiwiSaver Scheme).