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When Should I Start?

The earlier you start providing for your retirement the better. Even if retirement seems a long way off, building a retirement fund takes time. Give your money more time to grow, and your investments will work harder for you.

A little can go a long way

You can start a retirement savings plan with just $50 a fortnight. By investing even small amounts regularly, you can use a strategy called ‘Dollar Cost Averaging’ to take advantage of market volatility over the long term.

What is Dollar Cost Averaging?

How can I save?

Saving for retirement can be very easy. We can work with you to get you on the path to the retirement you want.

Workplace savings schemes

Some workplace savings schemes can provide generous terms where your employer matches your contributions, subsidises fees, or both.

Personal savings schemes

Retirement Savings Calculators

How long will my retirement savings last?

Determine how long your retirement savings are likely to last

Are my retirement savings on track?

Work out whether the amount you’re currently putting away for retirement is enough to achieve the total savings you’re looking for when you retire.

Some of the calculators on this website require Java. If you don’t currently have Java installed pleaseclick here.

A new ending

You can’t go back and make a new beginning. But you can start now and make a new ending.

Did you know that almost a third of working New Zealanders want to retire in their 50s?* We don’t want to wait until we’re 65 – we want to retire early and enjoy it.

And why not? If we’re that clear about when we want to retire, the only other thing we need to be clear about is how.