State Sector Retirement Savings Scheme Members' Guide 2025

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A policy initiative of the Fifth Labour Government of New Zealand (in office 19992008), KiwiSaver is governed by various Acts of Parliament, including the KiwiSaver Act 2006 (passed in September 2006).
NZ Super is a pension for those aged 65. It is a cash payment that is not means-tested and has some residency-based eligibility criteria.
The New Zealand Retirement Trust (NZRT) is our employer-sponsored workplace savings scheme thats designed to complement your employee wellbeing offering and help your people save for a more comfortable retirement.
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Technically speaking, Kiwis can retire at any time. But realistically, many of us will retire at the age of 65 when New Zealand Superannuation (NZ Super) payments kick in and we start reaping the financial rewards for all those years of taxes.
Superannuation or KiwiSaver schemes are established principally to provide retirement benefits. A superannuation scheme is a scheme which is not a KiwiSaver scheme, but is established principally to provide retirement benefits, and is registered under the Financial Markets Conduct Act 2013 (FMC Act).
There are two SSRSS scheme providers: AMP and Smartshares Limited (SuperLife) which is now the manager of the ASB Superannuation Master Trust.

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