Turning 65 is a big deal and not just for the birthday cake. 

If you’re closing in on that magic milestone, get set for a lot more choice with your KiwiSaver money. Because 65 isn’t the finish line, it’s a whole new starting point. 

It’s when your KiwiSaver nest egg is finally unlocked. Take some out, leave it invested, it’s entirely up to you. To give you a taste of your options, here’s four different paths you may choose to take. 

Which sounds the most like you? 

The Adventurer: "Let’s book that trip!” 

You might enjoy: Travel. Bucket lists. Even a stint overseas. You’ve earned it. 

What you could do with your KiwiSaver account: Consider keeping your money invested and making one-off withdrawals when you need them, like for that big trip you’ve got planned. 

Why it works: Your money stays in your account with the potential to keep growing, while you dip into it when adventure calls. 

The Everyday Enjoyer: “I’m happy at home.” 

You might enjoy: Home life, hobbies, golf, outings, family, a few little treats here and there. 

What you could do with your KiwiSaver account: You might set up regular withdrawals to top up your NZ Super and enjoy life as it comes. 

Why it works: This can smooth out your cashflow and gives you flexibility — so you have a little bit extra on top of your NZ Super each payday to enjoy a few extras. 

The Worker Bee: “I’m not stopping yet” 

You might enjoy: Still working, consulting, or doing passion projects? 

What you could do with your KiwiSaver account: If you don’t need the money immediately, consider leaving it in your KiwiSaver account. You can even keep contributing to add to your nest egg, if you choose. A lot of employers choose to continue contributing, so it is worth having a chat to them. 

Why it works: You stick with what’s working for you. Your money stays invested with the potential to keep growing throughout your retirement – giving you more flexibility later on. 

The Freedom Lifestyler: “I need it now” 

You might enjoy: Taking care of things straight away. 

What you could do with your KiwiSaver account: You may want to access your KiwiSaver money to help pay off the last of your mortgage, high-interest debt or make an essential purchase. 

Why it works: If you find yourself needing immediate access to your money, rest assured that you have it covered. While you have the option to keep some of your money invested to continue generating returns, we understand that sometimes you must use your money when the need arises. 

Whatever you think your retirement will look like, when you’re heading toward 65 it’s a great time to get some financial advice. Our team of friendly advisers can talk through your goals and timeframes, and help you create the best plan tailored to your needs. We also have some handy tools like our KiwiSaver Calculator and Investor Profile Questionnaire. Access them by logging in to Fisher Funds Online or the mobile app to see potential projections of your account or what type of investor you may be.  

Need help choosing what’s right for you? 

Our team is here to help. You can chat to us online, email us, or call us on 0508 347 437.  

Whatever your plans we’re here to help you make the next move with confidence – because you’ve earned the choices ahead.