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NZDF Saving Schemes - KiwiSaver, FlexiSaver & Superannuation

Planning for the future is an essential part of managing your finances. NZDF provides KiwiSaver and FlexiSaver schemes to help you achieve your financial goals, alongside legacy superannuation options for existing members. These options, combined with valuable resources, support your retirement planning and empower confident, informed financial decisions.

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NZDF KiwiSaver Scheme

KiwiSaver helps New Zealanders save for their retirement and for a first home. It is an easy way to save, with contributions made by the Government, NZDF or your employer, and by you. The New Zealand Defence Force KiwiSaver Scheme has additional benefits to help you save and retire with more.

  • Employer contribution for KiwiSaver is currently set at 4%, this is one percent above the current legislated KiwiSaver contribution rate of 3%.
  • For contributing members, one-off incentive payments are available from CDF. Payments total $1,000 (before tax) after years 1, 4 and 7 of contribution, totalling an extra $3,000 after the 7 years.
  • 16 $250 prezzy cards are available to win every month. The total annual prize pool of $50,000 is provided by the Scheme manager. See a list of the latest winners here.
  • An online account, where you can easily track your funds and control how you want your money invested.
  • The ability for New Zealand Defence Force KiwiSaver Scheme members to continue contributing to the Scheme after they leave NZDF.
  • Access to seven investment options.
  • Competitive fees and returns.

NZDF FlexiSaver Scheme

Unlike a KiwiSaver Scheme, the New Zealand Defence Force FlexiSaver Scheme allows you to withdraw your money at any time. You choose how much to invest and when to invest. There are no age restrictions and the Scheme is open to all NZDF members, family members, Veterans and ex-NZDF personnel. You also do not have to be a current NZDF member to join.

  • An online account, where you can easily track your funds and control how you want your money invested.
  • 16 $250 prezzy cards are available to win every month. The total annual prize pool of $50,000 is provided by the Scheme manager. See a list of the latest winners here.
  • Contributions can may be made via NZDF payroll (if you are an NZDF member), via internet banking or direct debit. Lump sum contributions are able to be made via internet banking.
  • Access to seven investment options.
  • Competitive fees and returns.
  • You can have both a KiwiSaver and a FlexiSaver account.

Legacy Schemes

The following legacy schemes are closed to new membership but are still operating for existing, eligible members:

  • Defence Force Superannuation Scheme Category A;
  • Defence Force Superannuation Scheme Category C;
  •  Government Superannuation Fund;
  • State Sector Retirement Superannuation Scheme;
  • National Provident Fund; and
  • Global Retirement Trust/Individual Retirement Plan (ex-MSD)
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Resources

Planning for retirement

Start building your financial future today with these tools and tips to help you invest wisely and prepare for a secure retirement.