KiwiSaver - Milford Asset

Why Milford's KiwiSaver Plan?

Everyone should be saving for retirement. So choosing a KiwiSaver Plan is a key investment decision. After all, the outcome of this decision will have a major impact on your future. To see what sets us apart from other KiwiSaver providers, please keep reading below.

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Joining or switching is easy

Grab your NZ ID and IRD number and you can join or switch to Milford’s KiwiSaver Plan in less than 5 minutes.

Calculate what you could save for your retirement

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Want help choosing your fund?

Find out here

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When you invest your
KiwiSaver money with Milford,
you are investing in...

Making it easy

The Milford mobile app and online portal ensures our customers have full visibility over their balance, fund performance and where their money is invested. Download your annual statements, view your transaction history or easily get in touch with us. With more exciting features around the corner including being able to change funds within the app giving you more control over your KiwiSaver.

Active fund management

We take a hands-on approach to investing, constantly re-evaluating investments pursuing the best returns possible for our clients. Our ability to move quickly means we can take advantage of opportunities as they arise and manage risk along the way.

Global expertise

We have one of the largest and most globally experienced investment teams in New Zealand. Having this expertise working for you can give you the edge you need to reach your retirement goals. Our strong performance is independently supported by our Morningstar KiwiSaver Fund Manager of the Year awards for 2013, 2014, 2016, 2018 and 2019 and our Canstar KiwiSaver Provider of the Year Award for 2020. Milford also manages New Zealand’s top-performing KiwiSaver Growth Fund over the last 10 years.

You can see how our performance compares to others in the Morningstar KiwiSaver Survey September 2020 Quarter here.

Detailed research & insights

Our Investment Team do hundreds of company visits every year, conducting rigorous reviews and detailed financial analysis. By personally researching our investments, we can identify potential opportunities others may not see and have a greater understanding of where your money should be.

A team who invests alongside their clients

Trust is of the utmost importance when someone is dealing with your money. We believe in our investment strategies so much that our investment experts and wider staff invest their own money in the same funds as our clients. It’s our policy. You can believe our team is highly motivated to have your funds do the best that they can because we’re on the same journey.

Client satisfaction

As winner of the 2018, 2019 and 2020 Consumer NZ People’s Choice award, we have consistently ranked highly for overall KiwiSaver customer satisfaction. Covering key factors such as investment performance, client service and client communications. And when you call us, you don’t deal with robots, you speak with real people in our Investment Services team.

We’re here to help,
wherever you are in life

Just starting out?

Get help choosing your fund with our simple online tool.

Saving for your first home?

We can help. Get all the details you need right here

Building your savings?

See if you’re on track with our online calculator. If you’re not on track, don’t worry, you can see the adjustments you can make.

About to retire?

Work out what your savings can deliver in retirement with our easy to use calculator and talk to us about wider retirement solutions.

KiwiSaver retirement calculator

Use our interactive tool

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How to increase your KiwiSaver contributions:

Direct credit via your online banking

Set up regular payments or do a one-off payment via your online banking straight into your KiwiSaver account using the following details:

Bank account name:  Milford KiwiSaver Plan
Account number:  02 0500 0966274 00
Payer Reference:  Investor’s Surname
Code:  Your Milford account #, starting with ML

Set up a Direct Debit

Click here to set up automatic regular payments from your bank account straight into your KiwiSaver account.

Tell your employer to increase your contribution rate

You can set your contribution rate at either 3%, 4%, 6%, 8% or 10% of your salary or wages. Simply tell your employer in writing the rate you would like.

  • Why should I sign up to a KiwiSaver Plan?

    KiwiSaver is a long-term savings scheme. It aims to increase your financial independence in retirement. With a maximum Government Contribution of $521.43 p.a. if you are over 18 and make contributions of $1,042.86 or more each year, signing up to KiwiSaver is a great way to save for your future.

  • How can I login and view my investment account balance online?

    Click Account Login at the top right of your page and select the relevant login type.

    If you have not already set up your online login, we will need to create one for you. Please email [email protected] to request this.

    For Private Wealth online access registration, please email [email protected].


  • How can I use KiwiSaver to buy my first home?

    KiwiSaver members may be able to withdraw all or part of their KiwiSaver savings early if they are buying a first home; however terms and conditions do apply. An application form must be completed along with supporting documentation. Please see the Member Guide for more detail.

    How are the funds transferred out of my KiwiSaver account for a first home purchase?

    If your withdrawal is approved, your KiwiSaver funds will be transferred into your solicitor’s trust account prior to settlement and will be used as part of the purchase price payable to the vendor on the settlement date. If the agreement is not completed then your solicitor will repay the funds back to Milford to be reinvested back into your KiwiSaver account.

    You may also be eligible for the first home owner’s subsidy from Housing New Zealand. To find out more please visit them at

    For more information, or to obtain a First Home Withdrawal Form, please contact Milford at [email protected] or phone 09 921 4700 or 0800 662 346.

  • What is a KiwiSaver Government Contribution?

    The government will contribute 50 cents for every dollar of member contributions to your KiwiSaver account up to a maximum of $521.43 per year for KiwiSaver members aged between 18 and 65 years.

    The KiwiSaver financial year runs from 1 July to 30 June. Contributions must be made within this time period to be considered for the annual Government Contribution. In July, the administrator of the Milford KiwiSaver Plan will provide the IRD with investors’ KiwiSaver contribution amounts for investors’ Government Contributions. The IRD will normally pay Government Contributions to investors’ KiwiSaver accounts directly in July.

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