ANZ KiwiSaver Scheme 

There's a lot more to selecting a KiwiSaver fund than just checking past returns and fees. If your hard-earned money is invested in KiwiSaver, you need to ask the important questions to understand where and how that money is invested.

Looking for the ANZ KiwiSaver Login portal?


Provider Name National Capital Research Report Login Link
ANZ Available on this page. ANZ Online Portal  new tab

If you want to check your account performance, you can do so via the ANZ KiwiSaver login above. If you have any trouble signing in, here's our dedicated troubleshooting section about the ANZ KiwiSaver login. 

What questions are important to Investors?

Note: The following information is taken from ANZ Kiwisaver Scheme's own website, fund updates, and the product disclosure statement published as of July 2023.

Review of the ANZ KiwiSaver Scheme

A short summary review of the provider

Updated: 5th July 2023
Reviewed by: Raymond Hu

ANZ KiwiSaver Scheme review

The ANZ KiwiSaver Scheme is the largest KiwiSaver scheme in New Zealand. 

They offer six actively managed funds suited to investors with different volatility tolerances. You can pick one of them via the ANZ KiwiSaver login. ANZ selects external investment managers, who are monitored on an ongoing basis to ensure the bank's high standards are maintained.

Investment strategies for each fund are monitored at least once every three years as part of ANZ's strategic allocation process. ANZ takes both financial and environmental, social, and governance (ESG) factors into consideration as they believe it will help them deliver a more sustainable long-term performance.

ANZ KiwiSaver Scheme charges annual fund fees that range between 0.27%-1.09%. It is free to switch between different funds within the scheme. The scheme also offers a 'Lifetimes option', which moves your investments through different funds based on your age. As you get closer to retirement, ANZ will move your investments to lower-risk funds, reducing the risk of your investment losing value over time. Alternatively, you can go through the ANZ KiwiSaver Login and switch manually at any time.

In general, the returns of ANZ KiwiSaver funds in the last 5 years have been below the average KiwiSaver returns with a slight positive turnaround occurring since the start of the year.

Changes within the ANZ KiwiSaver Scheme

In September 2021, ANZ removed the annual membership fee from all its managed KiwiSaver schemes. It also reduced the management fees of its Conservative Funds (excluding the Default Fund) and Conservative Balanced Funds down to 0.65% and 0.79% respectively.

ANZ also lost its default provider status in 2021 as part of a larger overhaul of the Default KiwiSaver scheme by MBIE.

ANZ OneAnswer KiwiSaver Scheme distinction

ANZ currently has two KiwiSaver schemes; ANZ KiwiSaver Scheme and OneAnswer KiwiSaver Scheme. Information regarding ANZ KiwiSaver Scheme's investment team, investment philosophy, regulations, and policies all apply to OneAnswer KiwiSaver Scheme with the differences being that OneAnswer KiwiSaver Scheme does not invest in Cash funds in its Multi-Asset-Class Funds and has different management fees, ranging from 0.64%-1.08%.

In closing

Based on past performance alone, ANZ is not one of the top-ranking KiwiSaver providers. However, its focus on quality companies and responsible investing could grow investors' wealth long-term. You can check your investment performance through the ANZ KiwiSaver login.


How do ANZ compare to others?

Best Performing KiwiSaver Funds

Kiwi Wealth Balanced
Milford Active Growth
High Growth
Booster SRI High Growth

*Past performance is not necessarily indicative of future performance.

*List is of the highest 5-year returns A-rated funds as per our Investment Selection Process

*All returns are after fees and tax (28% PIR) as of the quarter ended 31st December 2023.

*Source: National Capital Research February 2024

Is your KiwiSaver fund missing from the list?

We’re here to help find the best KiwiSaver fund for you. Let’s start by providing you with a comparison report of your existing fund.

It's important to check the health of your KiwiSaver fund and understand its position within the market. Submit the form below to view a simple graphic report of your fund.



By submitting our form, you agree to the terms and conditions of our website. Your information is 100% safe and secure. We will never sell your information and only use it to provide you with information on financial advice services as per our Privacy Policy.

Latest News on ANZ

Useful news related to the ANZ KiwiSaver Scheme 

Who is ANZ?

Facts & History of the provider


Beginning in 1835, the bank of ANZ was established in Sydney, Australia under the Royal Charter. It was established in New Zealand in 1840, making it New Zealand’s oldest bank. It has a strong heritage in Business Banking and offers a full range of banking options, including Personal, Rural, Corporate, Commercial, Institutional and Private Banking. In 1951, UBA and the Bank of Australasia merged to become Australia and New Zealand Bank (ANZ Bank). 

ANZ moved its corporate headquarters to Melbourne, Australia in 1976, and three years later an Act of Parliament permitted ANZ to incorporate its branches in New Zealand as ANZ Banking Group (New Zealand) Ltd. ANZ sold 25% of the shares to the public.

In 1983, ANZ opened its New Zealand head office in Wellington. In December 2003, the ANZ Banking Group bought The National Bank from Lloyds TSB. The banks operated as separate brands until 2012 when they were brought together under the ANZ brand.


ANZ is one of the world's largest banks and their businesses serve more than 8.5 million retail and business customers. ANZ manages six funds under its ANZ KiwiSaver Scheme and has total Assets Under Management (AUM) of more than $NZD 14 billion and 581,054 members. You can choose between funds via the ANZ KiwiSaver login. OneAnswer KiwiSaver Scheme has total Assets Under Management (AUM) of more than $NZD 2.8 billion and 58,605 members.


- Morningstar Awards - New Zealand Fund Manager of the Year 2020, Fund Manager of the Year (KiwiSaver Category) 2020

- SuperRatings Gold Rating 2022 (ANZ KiwiSaver Scheme)

- SuperRatings Platinum Rating 2020 (OneAnswer KiwiSaver Scheme)

Who are the people looking after my money?

The investment team, structure and their alignment with clients

The Investment team

Paul Huxford - Chief Investment Officer

Paul has overall investment responsibility for ANZ Investments across all asset classes, in addition to managing the investment team. He joined ANZ in 2018 with over 30 years of global capital markets risk experience in Europe, Asia, Australia and New Zealand.

Before joining ANZ, Paul held the following key roles: Managing Director - Europe Middle East and Africa Equities Research (JPMorgan), Managing Director - Australian Equities Research (JPMorgan) and Head of New Zealand Country Credit Risk (Bankers Trust/Deutsche).

Helen Skinner - Head of Responsible Investment

Helen has over 20 years of experience in the investments industry, holding various senior roles in both the United Kingdom and New Zealand.

She’s passionate about responsible investment, which highlights the importance of environmental, social and governance (ESG) factors including the impact of climate change into our investment process.

She joined ANZ in 2022 after almost five years at Craigs Investment Partners, most recently as the Head of Emerging Wealth.

Helen is a member of the Institute of Directors and a certified member of INFINZ.

Mitch McNae - Responsible Investment Analyst

Mitch is an Investment Analyst in the Strategy team and is focused on responsible investing, which involves analysing the approach to environmental, social and governance (ESG) factors for ANZ Investments.

He joined ANZ in 2018 as a graduate after completing a summer internship in the Funds Management division in 2016/17. He spent two years in the Performance Analytics team before moving to his current role in April 2021.

Maaike Van Tol - Head of Asset Allocation

Maaike is responsible for the management of the Diversified Funds across ANZ Investments, which includes KiwiSaver, retail, wholesale and private bank portfolios.  In addition to diversified portfolio management responsibilities, Maaike is focused on the asset allocation process, which includes both strategic and tactical asset allocation.

Maaike has over 17 years’ industry experience, and started at ANZ Investments in 2015. Prior to this she worked as Strategic Advice Specialist at ING Investment Management advising large Dutch pension fund clients on asset allocation, and Structured Products Portfolio Manager for IMC Asset Management in the Netherlands.

Maaike graduated from the University of Auckland and is a CFA Charterholder.

Tina Gupta - Senior Investment Analyst - External Managers

Tina is a Senior Investment Analyst in the Strategy team and is focused on the selection, appointment and monitoring of the external managers.

Tina has over 12 years of experience in financial services industry having worked across a range of asset classes. She joined ANZ in 2022 from the FMA where she worked for three years, having spent seven years prior to that with Deutsche Bank in India.

Tina has a Bachelor of Commerce (Honours) from the Shri Ram College of Commerce, University of Delhi and a Master in Business Administration from the Indian Institute of Management Kozhikode. She has passed two levels of the CFA Program and is also a certified member of INFINZ.

Armand Grewal - Senior Investment Strategist

Armand is the Senior Investment Strategist in the Strategy team and is focused on the asset allocation process, covering both the strategic and tactical asset allocation of the Diversified Funds managed by ANZ Investments.

Armand is a CFA Charterholder and has also completed the Chartered Market Technician (CMT) programme, after graduating from the University of Canterbury with a Master of Commerce (Finance).

Shiau Teoh - Investment Implementation Analyst

Shiau is part of ANZ's FX Strategy and Implementation team with a focus on research and providing recommendations that support the team’s active hedging strategy. Implementation responsibilities include trade execution on currency decisions and application of asset allocation decisions across our KiwiSaver, retail, private bank and wholesale portfolios. 

Shiau joined ANZ Investments in 2014, and previously led a team of four responsible for portfolio management and implementation of ANZ’s private bank portfolios.

Shiau has a Bachelor of Business Studies from Massey University.

Iain Cox - Head of Australasian Fixed Interest and Cash

Iain has been with ANZ Investments’ since 2007 and was appointed Head of Fixed Interest and Cash in New Zealand and Australia in March 2014.

Working since 1994 in funds management and investment banking, both locally and overseas, Iain has specialist knowledge and experience of both the domestic and global credit and interest rate markets.

Formerly a portfolio manager at a privately owned and Auckland-based retail fund manager, Iain has also held roles involving product and operations control for Salomon Bros, Citigroup, Barclays Capital and Credit Suisse First Boston, supporting fixed income cash and emerging market and derivative businesses in London and Milan.

Iain has a Bachelor of Arts (Joint Honours) Accountancy and Economics from the University of Manchester.

Ray Jack - Senior Investment Analyst

Ray has been with ANZ Investments since 1998 and works as a Senior Investment Analyst in the Fixed Interest and Cash team. Prior to this he was an Equity Analyst in the Equities team, and has over 20 years’ experience analysing Australian and New Zealand listed companies.

Ray has also served on ANZ Investments’ Asset Allocation Committee, which is focused on making tactical and strategic asset allocation decisions for global equity markets, fixed interest markets, currencies and commodities.

Ray has a Bachelor of Commerce (Economics and Finance) as well as a Diploma in Financial Planning.

Varun Khanna - Fund Manager Fixed Interest

Varun joined ANZ Investments in 2022 as an Assistant Fund Manager in the Fixed Interest and Cash team focusing on credit research.

With close to 10 years’ experience in Financial Services, Varun has previously held Product Control and Management Accounting roles at ASB, BNZ and Jarden.

Varun has a Bachelor of Business (Accounting and Finance).

Andrew Mortimer - Fund Manager Equities

Andrew joined ANZ's Equities team as a Senior Analyst in November 2017 following a period where he acted as an independent adviser with roles including providing independent and company commissioned research, corporate advice and capital solutions.

Prior to that Andrew was a Portfolio Manager and Analyst at Brook Asset Management for six years and earlier was employed as a Research Director at FNZC (and its predecessors) from 1998 to 2008.

Andrew has a Bachelor of Commerce from Otago University.

Max Lesser - Fund Manager Equities

Max is jointly responsible for management of ANZ's Australasian equity portfolios. He also manages their internal investment research function. He joined ANZ Investments in April 2018.

Prior to this Max was Founding Partner at UK investment manager Worsley Associates LLP; Investment Manager at Guinness Peat Group plc; and Equity Analyst at stock brokers JBWere and BZW New Zealand.

Max has a Bachelor of Commerce from Canterbury University.

Erin Hasemore-Slieker - Research Analyst

Erin is a Research Analyst in ANZ's Australasian Equity team, with a focus on the technology sector.

Erin joined ANZ in 2018 as a graduate, followed by two years in a Performance Analytics role where she completed attributions and risk analysis for the ANZ-managed KiwiSaver scheme funds. She then joined the Equity team in August 2021.

Erin has a Bachelor of Business Studies (Finance and Economics) from Massey University.

Jonty Nattrass - Research Analyst

Jonty is a Research Analyst in ANZ's Australasian Equity team, with a focus on New Zealand infrastructure assets.

Jonty joined ANZ in 2018 as a graduate, having interned in the investment team the year before. He spent two years as an Implementation and FX Analyst, focusing on the management of private bank portfolios, before joining the Equities team in 2021.

Jonty has a Bachelor of Commerce (Finance) and a Master of Finance from the University of Otago.

Craig Tyson - Head of Australasian Listed Property

Craig is responsible for ANZ Investments’ specialist Australasian listed property and infrastructure mandates. He joined ANZ Investments in May 2005 as an Investment Analyst in the Equities team and was promoted to Investment Manager in January 2006.

Craig migrated to New Zealand in 2003 joining Forsyth Barr, with responsibility for several high-profile New Zealand companies, including part-coverage of the property sector. Previously, he spent seven years at Fuji Investment Management in London as an Equity Analyst and later the Investment Manager responsible for European equity portfolios.

Craig graduated in 1993 from City University (London) with a Bachelor of Science (Honours). He worked on the London International Financial Futures Exchange before completing a Master of Science (Investment Management) from City University Business School in 1995.

Heath Smith - Client Relationship Manager

Heath is a Client Relationship Manager for ANZ's wholesale and institutional clients.

He has been involved in the investment industry in both New Zealand and the UK for over 20 years. He has been with ANZ for over 10 years and was previously the Fund Accounting Manager and the Investment Reporting Manager before joining the Wholesale and Institutional Distribution team in 2017.

Heath has a Bachelor of Commerce (Accounting and Finance) from the University of Auckland.  He is a qualified Chartered Accountant and is a CFA Charterholder.


How is the Investment Team Structured?

The investment team monitors the attractiveness of each asset class and adjusts the allocation depending on how they believe each will perform. The funds invest in underlying funds that ANZ manages. ANZ believes this management structure is a benefit because it creates efficiencies and it gives them greater control of the overall cost.

Their investment management team selects the assets for most of the underlying funds investing in Australasian assets. For the underlying funds investing in international assets, they are selected by a small number of external fund managers who they believe are among the best in their class.

ANZ's Responsibilities

ANZ New Zealand Investments Limited is responsible for the investment of the Scheme’s assets, in accordance with legislative requirements, the Trust Deed, the Product Disclosure Statement (PDS), and the SIPO.

Their responsibilities include:

  • Maintaining the investment governance framework including effective investment policies
  • Establishing investment beliefs and investment process
  • Setting investment objectives and risk tolerance for the Funds
  • Determining the investment strategy for each Fund. This includes the Benchmark Asset Allocation, ranges, other limits, and appropriate indices
  • Implementing the investment strategy
  • Monitoring Fund investment performance relative to objectives and compliance with strategy limits. You can also monitor performance via your ANZ KiwiSaver login.

ANZ is responsible for reviewing the performance of its investment managers and that is undertaken on a regular basis. You can review your own fund performance through your ANZ KiwiSaver login. 

How do I know my money is safe?

Governance & Compliance processes

All KiwiSaver Providers must ensure they meet regulatory standards and act with customer interests in mind.

KiwiSaver Scheme Managers must exercise care, diligence and skill in the investment of scheme assets, and act in accordance with the stated investment policy and objectives. The FMA monitors that KiwiSaver Schemes are compliant with their obligations. Additionally, KiwiSaver Trustees also have a responsibility as front-line supervisors for monitoring the management and administration of these schemes. Essentially, regulatory bodies are in charge of enforcing compliance beyond what you can see through your ANZ KiwiSaver login.

ANZ's Supervisor & Custodian

A custodian plays a key role in protecting your investments. They hold your money and investments (i.e. keep custody of them) on your behalf. So they are the legal holder of your assets while you are the beneficial and ultimate owner.

A supervisor is a licensed entity independent of the KiwiSaver scheme that supervises the provider’s management of the scheme. KiwiSaver schemes are trusts, and (except for restricted schemes) the terms of the trust deed states that the supervisor (or another custodian) must hold all contributions and investments in trust for the investors.

The Supervisor and Custodian are the New Zealand Guardian Trust Company Ltd. Guardian Trust is the corporate trustee for many of New Zealand's leading corporations, financial institutions, fund managers, and banks. Their clients span a broad range of business activities and the quality of their client portfolio reflects our status as a provider of corporate trustee services in New Zealand. As of June 2018, they manage funds in excess of NZ$ 120 billion.

ANZ's Governance Process 

ANZ’s Board is composed of eight Non-Executive, independent Directors (including an independent Chair, Paul O'Sullivan), and one Executive Director — ANZ’s Chief Executive Officer (CEO), Shayne Elliott.

Under ANZ's Constitution, the Board may delegate any of its powers to Committees of the Board. ANZ has six principal Board Committees - the Audit Committee (chaired by Christine O'Reilly), the Ethics, Environment, Social and Governance (EESG) Committee (chaired by Paul O'Sullivan), the Risk Committee (chaired by Graeme Liebelt), the Human Resources Committee (chaired by Ilana Atlas, AO), the Digital Business and Technology Committee (chaired by Jane Halton, AO PSM) and the Nomination and Board Operations (NBO) Committee (chaired by Paul O'Sullivan). Each Committee has its own Charter setting out its rules and responsibilities.

At management level, the Group Executive Committee (ExCo) comprises ANZ’s most
senior executives
. ANZ has a delegations of authority framework that clearly outlines those matters delegated to the CEO and other members of senior management.

ANZ also has a number of formally established management committees, each of which deals with particular sets of ongoing issues with defined desicion-making authority.

Below is a link, for more information about their Corporate Governance Statement:



Corporate Governance Statement

How do they decide where to invest?

The investment processes followed by the manager

How do they decide where to invest?

ANZ Investments is an active manager and is committed to its philosophy of active investment management. ANZ considers itself as long term investors with a preference for holding quality investments, ones that are well diversified, and which are highly liquid. You can track some of the major investments through your ANZ KiwiSaver login.

ANZ's investment philosophy is based on the following key beliefs. These are considered in every aspect of their decision making:

  1. A long-term approach: By carefully selecting investments that ANZ believes have the best balance of risk and reward, they aim to deliver consistent performance over the long term.
  2. Responsible Investing: ANZ is committed to responsible investing as they believe it's in the best long-term interests of their investors.
  3. Active Management: Markets are constantly changing. That's why ANZ actively manages your portfolio, and the mix of investments in each fund, with the aim of achieving better returns than a particular index or market. 
  4. Quality, Transparency and Simplicity: ANZ focuses on high quality and transparent investments, because when it comes to investing your money, quality is paramount. 

External Manager Selection and Monitoring

ANZ focuses on selecting Investment Managers who are specialists within their particular investment markets and who have demonstrated the capability and conviction in portfolio construction and the execution of investment strategies.

ANZ has a process for selecting external fund managers, who manage some of the international assets in the underlying funds. They select external fund managers that ANZ believes are among the best in their class. They take into account both quantitative and qualitative aspects and look at a number of factors, including: 

  • People – experienced and stable investment teams
  • Parent firm – stable businesses being well-led by experienced company management
  • Investment philosophy and process – a philosophy that aligns or complements ANZ's own philosophy and that is reflected in a disciplined process, and
  • Performance – managers that have generated strong performance over the long term 

Once selected, an external fund manager is subject to a rigorous on-going monitoring process. Each external fund manager is regularly assessed against the above criteria. ANZ also regularly compares their external fund managers against other managers they rate highly.

Investment Performance Monitoring

ANZ reviews the investment strategy for each fund as part of their strategic asset allocation process. This is done at least once every three years to set each fund’s target investment mix and ranges. ANZ forecasts how each asset class will perform over the long term, both in isolation and in relation to other asset classes. They then use the forecasts to construct the most effective target investment mix and ranges, with the aim of: 

  • Increasing the probability of achieving the investment objectives
  • Achieving the highest return over time within acceptable risk levels.

As part of the review, the metrics that may be monitored include:

  • The probability of a negative yearly return
  • Stress testing how each fund would perform in a range of scenarios
  • The expected number of years out of 20 in which returns will be negative
  • Assessment of concentration of risk factors.

For the Cash Fund, it is unlikely that the target investment mix and ranges will change.

You can also check on performance yourself through the ANZ KiwiSaver Login.

Does ANZ Invest responsibly?

Social and Ethical Considerations

Socially responsible investing (SRI) or Environmental, Social and Governance investing (ESG), also known as sustainable, socially conscious, “green” or ethical investing, is any investment strategy which seeks to consider both financial return and social/environmental good to bring about social change regarded as positive by society.

Basically, SRI investing is investing in companies that have a positive impact on society, based on a number of factors.

ANZ’s Responsible Investment Policy

ANZ’s goal is to deliver sustainable performance in a sustainable way. That means assessing investments against both financial and non-financial criteria.

Traditional investment approaches focus mainly on financial criteria such as balance sheet strength and future earnings forecasts. ANZ also takes environmental, social, and governance (ESG) factors into account. As these factors are some of the drivers of long-term investment risks and returns, they believe that including them in their assessment criteria will help them identify investments that can deliver more sustainable long-term performance – which is in the best long-term interest of both their investors and wider.  You can check whether your top fund investments align with their policy via your ANZ KiwiSaver login.

Sustainable Investment

As a signatory to the United Nations-supported Principles for Responsible Investment, ANZ abides by six principles which provide guidelines for institutions on incorporating environmental, social, and governance factors into their investment processes:

  • Incorporating ESG issues into investment analysis and decision-making processes.
  • Being active owners and incorporating ESG issues into our ownership policies and practices.
  • Seeking appropriate disclosure on ESG issues by the entities in which they invest.
  • Promoting acceptance and implementation of the principles within the investment industry.
  • Working together with other signatories to enhance our effectiveness in implementing the principles.
  • Reporting on their activities and progress towards implementing the principles.

Ethical Exclusions

ANZ’s active investment management approach means they continually review their investments and prospective investments against both their financial and ESG criteria. These reviews consider some or all of the following:

  • Global best practice
  • ANZ's view on the expectations of their investors or clients
  • The impact of exclusion on returns
  • The severity of any ESG related breaches or actions, or
  • The likely success of an alternative course of action (for example, engagement).
Depending on the results of ANZ's review, they may continue to hold, review on a periodic basis, divest, or exclude the company or industry as an investment.

ANZ currently excludes investments in companies that are involved in: 

  • Manufacturing controversial weapons, including cluster munitions and anti-personnel mines
  • Manufacturing or testing nuclear explosive devices
  • Manufacturing tobacco products.
  • Manufacturing automatic and semi-automatic firearms, magazines, or parts for civilian use.
  • Whaling and whale meat processing

ANZ currently excludes investments in companies that earn material revenues from:

  • Conventional weapons; companies that generate more than 5% of their revenue from any other weapons related business activities
  • Unconventional oil and gas; companies that generate more than 10% of their revenue from the extraction of unconventional oil and gas. This includes revenues from oil sands, oil shale (kerogen-rich deposits), shale gas, shale oil, coal seam gas, coal bed methane
  • Thermal coal; companies that generate more than 10% of their revenue from thermal coal mining
  • Adult entertainment; companies that generate more than 5% of their revenue from adult entertainment. 

A full list of companies that ANZ excludes can be found here:


Excluded Companies

ANZ KiwiSaver Login

ANZ KiwiSaver Scheme

Click here

Get the most up-to-date recommendations on the best fund suited to your financial goals. How does it compare with the results via your ANZ KiwiSaver login account?

The screenshot of the ANZ KiwiSaver login page is for educational purposes only.

ANZ KiwiSaver Login

Access the ANZ KiwiSaver login page by clicking here.

More than 650,000 Kiwis are registered to the ANZ Scheme and thus can get access through their ANZ KiwiSaver login. As a matter of fact, they are currently the largest provider according to the Morningstar March 2022 Report.

The ANZ KiwiSaver login is part of ANZ Internet Banking. Therefore, you will need your customer number and password to check the status of your funds. There are clear benefits to managing your KiwiSaver and banking within the same platform. Any transactions you make through your ANZ KiwiSaver login are even quicker when banking with ANZ.

Meanwhile, if you have forgotten your password, you need a customer number to create a new one.

Through your ANZ KiwiSaver login, you can stay on top of your account anywhere, anytime.

More specifically, through the ANZ KiwiSaver login, I can:

  • Check my KiwiSaver balance.
  • View past transactions.
  • Check investment performance.
  • Check which fund(s) I’m invested in.
  • See my Prescribed Investor Rate (PIR).
  • Make additional contributions. Regular or lump sum at any time through my KiwiSaver login.
  • Switch funds and change my (PIR).

As in most cases, you can also withdraw through the ANZ KiwiSaver login under three circumstances: 

  • When you reach the age of 65. 
  • To buy your first home (if you’ve been a KiwiSaver member for at least three years).
  • If your circumstances change. You may be able to access your money early if you’re experiencing significant financial hardship or have a serious illness.

If you’re having trouble accessing your ANZ KiwiSaver login, you can ask for help via this link.

ANZ has a hands-on management approach. Meaning your account is actively managed. Thus, it should come as no surprise to see a fluctuating investment mix through your ANZ KiwiSaver login.