Why choose Milford’s KiwiSaver Plan?

From award-winning investment performance, to personalised advice, to investing our own money right alongside yours – we’re truly invested in your KiwiSaver success. Join or switch in five minutes right now or if you’re not quite sure where to begin, get convenient digital advice in 10 minutes before joining.

Join or switch now Get advice

To see our Financial Advice Disclosure Statement, please see Getting Advice at Milford.
Click here to see our Milford KiwiSaver Plan Product Disclosure Statement

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 five minutes.

KiwiSaver Calculator

Estimate what you could save for retirement.

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Want help choosing your fund?

Get convenient and expert digital advice in 10 minutes before joining.

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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 you have full visibility over your balance, fund performance and where your money is invested. Download your annual statements, view your transaction history, change your fund mix or easily get in touch with us. With more exciting features around the corner, the app helps give you more control over your KiwiSaver account.

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 2022 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, 2020, 2021, and 2022 Consumer NZ People’s Choice award, we have consistently ranked highly for overall KiwiSaver customer satisfaction. These award covers 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 Calculator

Estimate what you could save for retirement.

Find out here

Want help choosing your fund?

Get convenient and expert digital advice in ten minutes before joining.

Get advice

Join or switch right now

Get started in 5 minutes.

Join us now

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
Particulars:  Please enter Milford Account Name
Code: Please enter Three Letter Fund Code e.g. KWS
Payer Reference:  Please enter your Milford Account Number (starts 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.

Choose Milford as your preferred KiwiSaver provider for employees

What we offer

We’ll help your employees understand the benefits of KiwiSaver and plan for retirement or their first home purchase.

We offer tailored presentations to educate your staff, including time to answer any tricky KiwiSaver questions.

Access to advice. We have dedicated KiwiSaver advisers to help your employees set a goal and ensure they are in the right fund.

Access to online tools including Digital Advice and the ability to forecast their KiwiSaver balance at 65.

  • 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.

  • How do I make a permitted early withdrawal?

    To apply for an early withdrawal from your KiwiSaver account due to one of the following, please contact our Investor Services Team on 0800 662 346 or [email protected]

    • Significant Financial Hardship
    • Serious Illness
    • Life Shortening Congenital Conditions
    • Death of a Member
    • Permanent Emigration

    For more information on the criteria for the above withdrawal types please view our Member Guide.

Join or switch right now

Get started in five minutes.

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Want help choosing your fund?

Get convenient and expert digital advice in 10 minutes before joining.

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