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Opting out of KiwiSaver

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If you’ve been automatically enrolled but do not want to be a KiwiSaver member you can opt out.

You can opt out between the end of week 2 and week 8.

If you do not opt out, you will stay in KiwiSaver and your employer will deduct contributions from your pay.

If you've been in KiwiSaver for over 8 weeks

We may accept late opt outs for up to 3 months after we get your first contribution if:

  • your employer did not give you a KiwiSaver employee information pack - KS3 within 7 days of you starting your job
  • we did not send you a product disclosure statement for the default KiwiSaver scheme we allocated you to
  • your employer did not give you a product disclosure statement for their chosen KiwiSaver scheme
  • events outside your control meant you could not deliver your opt out notice on time
  • you should not have been automatically enrolled.

If you are under 19 years of age

You may be able to opt out if:

  • your employer incorrectly enrolled before you turned 18
  • you were incorrectly enrolled and didn’t have your guardians' consent to join KiwiSaver
  • you are under 16 and you want to opt out. Your guardian must agree.

You may not be able to opt out if:

  • you contacted a provider and chose your own investment scheme
  • your guardians signed you up for KiwiSaver or gave consent for you to join
  • you opted in directly after you turned 18.

If you joined directly with a provider

If you joined directly with a KiwiSaver provider you cannot opt out, but you might be able to take a savings suspension.