Choosing your scheme

A KiwiSaver scheme is where your savings are invested.

All KiwiSaver schemes must be registered with us on our KiwiSaver Schemes Register. The schemes are offered and managed by KiwiSaver providers.

You can choose which scheme to join from a wide range of schemes offered by a number of providers, even if you're provisionally allocated to an employer-chosen scheme or a default scheme.

You can change your scheme at any time, but you can only belong to one KiwiSaver account at a time.

Once you’ve selected a KiwiSaver scheme, you then need to choose which fund type best suits your circumstances. See our information on different types of funds and comparing KiwiSaver information.