Superannuation Services

Kiwisaver and Superannuation services provide individuals and advisers with expert guidance on retirement savings schemes, including fund selection, contribution strategies, and tax implications. These services help you plan for a financially secure retirement by making informed decisions about your Superannuation and Kiwisaver accounts.

RSM New Zealand offers practical, hands-on advice tailored to your employment status, financial goals, and retirement timeline.
 

Superannuation is a long-term savings program designed to help you accumulate wealth during your working years. Your contributions are held in a superannuation fund and invested to generate returns. Access to these funds is generally restricted until you meet a condition of release, such as:

•  Retiring permanently after reaching preservation age
• Reaching age 65

RSM’s Kiwisaver and Superannuation services help you understand these conditions and optimise your retirement planning.
 

Kiwisaver is New Zealand’s voluntary, work-based savings initiative designed to help residents save for retirement. While similar to superannuation, Kiwisaver is specific to New Zealand and includes features like:

•  Employer contributions
• Government contributions
• First-home withdrawal options

RSM’s Kiwisaver and Superannuation Services can help you navigate both systems and choose the best strategy for your needs.
 

If you’re an employee aged 18 or over, you’re generally eligible to receive superannuation contributions from your employer. These contributions are typically calculated as a percentage of your salary and paid into your nominated super fund.
 

RSM can help ensure you’re receiving the correct entitlements and advise on how to maximise your contributions.
 

There are many superannuation funds to choose from, each offering different investment portfolios and fee structures. When starting a new job, your employer may nominate a default fund, or you can provide your preferred fund details.
 

RSM’s Kiwisaver and Superannuation services include fund comparison and selection advice to help you choose the best option for your financial goals.
 

Your superannuation contributions are invested in a portfolio of assets such as shares, property, and fixed interest. The type of portfolio you choose—conservative, balanced, or growth—will affect your returns and risk exposure.
 

RSM helps you understand the investment options and select a strategy aligned with your retirement timeline and risk tolerance.
 

Yes. If you’re self-employed, you can make voluntary contributions to your superannuation fund. These contributions may be tax-deductible and can significantly boost your retirement savings.

RSM’s Kiwisaver and Superannuation services include advice on contribution limits, tax benefits, and long-term planning for self-employed individuals.
 

Making additional contributions to your superannuation or Kiwisaver account can:

•  Increase your retirement savings
• Reduce your taxable income
• Take advantage of compound growth
• Provide greater financial security in retirement

RSM can help you develop a contribution plan that fits your budget and retirement goals.
 

Access is generally restricted until you meet a condition of release. For Superannuation, this includes retirement or reaching age 65. For Kiwisaver, you may also be able to withdraw funds for a first-home purchase or in cases of significant financial hardship.

RSM’s Kiwisaver and Superannuation services provide clarity on access rules and help you plan withdrawals strategically.
 

Contact RSM New Zealand for a personalised consultation. Our team will assess your current retirement savings, help you choose the right fund, and develop a strategy to maximise your long-term financial wellbeing.