Many people are switching to the benefits of Generate. Over the last three years Generate has had one of the fastest growing memberships (in percentage terms) of any KiwiSaver provider and is now the 10th largest provider by members. Over 53,000 Kiwis are now enjoying the benefits of Generate.

KiwiSaver is a voluntary, work-based savings initiative to help you with your long-term saving for retirement.


When you join KiwiSaver you will receive:

  • A 3% contribution from your employer
  • Government Contributions of up to $521.43 every year
  • First home withdrawal
  • Up to $10,000 HomeStart grant
  • Your money is held in a trust

Our KiwiSaver balance has two ways of growing:

The first is by the amount of money you, your employer and the Government put in, and the second is the returns you earn on your investments. The higher the return you earn on your investments, the bigger your savings at retirement.

You can join KiwiSaver

If you're a New Zealand citizen, or entitled to live in New Zealand indefinitelyand are living or normally living in New Zealand (with some exceptions), and are below the age of eligibility for NZ Super (currently 65).

You can't join KiwiSaver

If you're holding a temporary, visitor, work or student permit or living overseas, unless you're a government employee with specific requirements.

Your KiwiSaver savings will

Generally be locked in until you're eligible for NZ Super (currently 65), or you've been a member for at least 5 years (if you joined over the age of 60).

There are types of funds with Generate KiwiSaver  

Conservative Fund

This type of fund provides a conservative investment return. Long term returns are likely to be the lowest of the funds due to the lowest weighting of growth assets.

Growth Fund

This type of fund provides a growth investment return over the long-term. The returns are likely to be higher than conservative fund but lower than the focused growth fund.

Focused Growth Fund

This type of fund provides the highest growth investment return over the long term out of all 3 funds. Volatility is likely to be the highest of the funds.

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