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Joining age for KiwiSaver

There is no restriction on age if you’re joining KiwiSaver for the first time, and your funds will not be locked in for 5 years. You’ll be able to withdraw your savings from age 65.

If you joined KiwiSaver for the first time before 1 July 2019, when you reach the age of 65, you can choose to opt out of the five-year lock in period and withdraw your funds. Note: if you do choose to withdraw your savings, you’ll no longer be eligible for Government contributions, and your employer will also stop compulsory contributions.