KiwiSaver was created for investing over the long-term, to help people save for retirement. That’s why you have to meet certain conditions to withdraw from your KiwiSaver funds.

You can generally access your KiwiSaver savings:

• When you buy or build your first home.
• Once you reach 65, however, you can continue with your KiwiSaver account investments throughout retirement.

You may be able to access your KiwiSaver before you retire:

• If you suffer, or are likely to suffer, significant financial hardship, you can apply to withdraw some of your KiwiSaver savings.
• If you move overseas.
• For health reasons
• For other reasons, for example, bankruptcy, amongst others.

Withdrawal criteria set by the Government must be met.

You can learn more about making early withdrawals from your KiwiSaver funds on the Inland Revenue website.