Update: 12 August 2020

Given the latest COVID-19 update our whole team are now working from home. We’ve worked successfully this way before and know our organisation remains fully functional. Our Client Services team are available to answer any questions you have, although you may reach them faster by email. You can also check the balance of your account and make changes to your investment, such as updating your tax rate through Fisher Funds Online. We hope you and your family stay safe. 

Retirement meant nothing to me, but buying a home meant everything


KiwiSaver has played a massive role getting me onto the property ladder and ended up really changing my life.
Lucy, Wellington

Retirement meant nothing to me, but buying a home meant everything

Starting her first professional job the same month KiwiSaver was launched, Lucy knew she had to sign up straight away purely because it would enable her to buy her first home.

After years of study, travel and work in the hospitality industry, Lucy was drawing her first salary after a decade of average wages and student living. A real bonus for Lucy was the structure of KiwiSaver so that she never saw the money in her bank account, and therefore she never missed it. Having these savings topped up by her employer as well as the government contribution really boosted her savings.

"I am notoriously bad with money, so my family encouraged me to do anything that would help me save. Buying a house had always been my dream but I hadn't been able to get myself in a great financial position to do that much about the dream.

"The last thing I was thinking of as I entered the professional workforce working in a tech start up in 2007 was my retirement.  Even when I went overseas to live and work in London for a year, my KiwiSaver account was making money for me even though I wasn't contributing at the time. A year or two after arriving back in Wellington, I was earnestly looking at houses to buy and found out I was also eligible for a KiwiSaver HomeStart grant.

"I had managed to set aside some other money but after more than five years in KiwiSaver I was able to withdraw the full amount less the government kickstart. On top of that, the government kindly gave me another $5,000 via the HomeStart grant. This put me in the position to put an offer on a house in Berhampore in Wellington which was accepted and two months later I moved in. KiwiSaver has played a massive role getting me onto the property ladder and therefore changed my life. My future feels more assured and I'll be forever thankful."


Join or transfer — it's easy!

Join online now » or   Request an information pack »

You might also be interested in
Buying a home with KiwiSaver

Buying a home with KiwiSaver


Investing responsibly by
investing wisely


Discover your money


Is there anything we
can help you with?

Leave us a message