KiwiSaver is a voluntary, work-based savings initiative to help you with long-term saving for retirement. It's a hassle-free way to help save for retirement by helping to maintain a regular savings pattern.

The New Zealand Government designed KiwiSaver to compliment the current NZ Super scheme, which up to now, had provided only a basic standard of living in retirement. KiwiSaver can help you achieve the kind of retirement you want, by helping fund a better retirement lifestyle.

Getting the right advice is important, so Ken Holmes Financial Services work with you to make sure that your KiwiSaver savings work as hard as possible for you. This ensures your investment is on target to hit your retirement goals.

If you’re an employee you can choose to save 2%, 4% or 8% of your total salary or wages, before tax, each payday, and you can access your savings when you reach 65. However, there are exceptional circumstances when you can withdraw some or all of your savings before this time.

You get a $1,000 Government kick-start when you join - think of it as free money!

Expert personal advice from Ken Holmes helps you get the most out of KiwiSaver.