{"id":222729,"date":"2023-05-01T00:34:09","date_gmt":"2023-04-30T11:34:09","guid":{"rendered":"https:\/\/legalvision.co.nz\/?p=222729"},"modified":"2023-05-03T20:20:13","modified_gmt":"2023-05-03T07:20:13","slug":"kiwisaver-funds","status":"publish","type":"post","link":"https:\/\/legalvision.co.nz\/employment\/kiwisaver-funds\/","title":{"rendered":"What Happens to My KiwiSaver Funds When I Die in NZ?"},"content":{"rendered":"\n<p>If you are an employee in New Zealand, chances are you have a KiwiSaver. KiwiSaver is a voluntary savings scheme the New Zealand Government set up to help people save for retirement. Many people have KiwiSavers, but not many know what happens to it when you die. This article will explain what happens to your KiwiSaver funds when you die and how to prepare for it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What is KiwiSaver?<\/h2>\n\n\n\n<div  class=\"box box--icon box--info\">\n    <p>KiwiSaver is a savings plan offered to people who live in New Zealand. It is designed to help people save for their retirement and to provide them with a source of income when they retire. When you enrol in KiwiSaver, a portion of your income is automatically deducted from your pay and deposited into your KiwiSaver account.<\/p>\n<\/div>\n\n\n\n<p>The money in your <a href=\"https:\/\/legalvision.co.nz\/employment\/what-is-kiwisaver-employer-contribution-in-new-zealand\/\">KiwiSaver account<\/a> is invested in a range of investments, such as stocks, bonds, and property, and is intended to grow over time to provide you with a nest egg for your retirement. KiwiSaver also offers certain tax advantages and other benefits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who Can Enrol in Kiwisaver?<\/h2>\n\n\n\n<p>Anyone who is a resident of New Zealand and is over the age of 18 can <a href=\"https:\/\/legalvision.co.nz\/employment\/enrol-employees-in-kiwisaver\/\">enrol in KiwiSaver<\/a>. There is no upper age limit for enrolling in KiwiSaver. If you are under 18, you can enrol in KiwiSaver if:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>you are employed and earning an income; or <\/li>\n\n\n\n<li>if you have the permission of your parent or guardian. <\/li>\n<\/ul>\n\n\n\n<p>You can also enrol if you are a temporary resident of New Zealand, as long as you are over the age of 18 and are legally able to work in the country.<\/p>\n\n\n\n\n<a href=\"#content-next\"\n   class=\"block p-4 mt-10 text-xl font-bold text-center text-white no-underline bg-gray-800 rounded-t-xl\">\n    Continue reading this article below the form\n    <i class=\"text-xl fa-regular fa-arrow-down\"><\/i>\n<\/a>\n<div class=\"px-6 pt-10 pb-12 mb-10 text-center bg-gray-100 rounded-b-xl sm:px-12 test\">\n    <div class=\"mb-8 text-2xl font-bold text-orange\">\n        Need legal advice?\n        <br>\n        <span class=\"text-lg not-prose\">\n                            Call <a href=\"tel:+64800005570\" class=\"not-prose\">0800 005 570<\/a> for urgent 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       } else {            triggerPostRender();        }    } );} );\n<\/script>\n<\/div>\n<\/div>\n<div id=\"content-next\"><!-- scroll anchor --><\/div>\n<h2 class=\"wp-block-heading\">What are the Benefits of Kiwisaver?<\/h2>\n\n\n\n<p>There are several benefits to enrolling in KiwiSaver, including:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Contributions to your KiwiSaver account are made automatically from your pay, so you do not have to remember to make regular savings yourself.<\/li>\n\n\n\n<li>Your KiwiSaver account is invested in a range of investments, such as stocks, bonds, and property, which are intended to grow over time and provide you with a nest egg for your retirement.<\/li>\n\n\n\n<li>You may be eligible for government contributions to your KiwiSaver account, which can help boost your savings.<\/li>\n\n\n\n<li>If you are a first-time homebuyer, you can use your KiwiSaver funds to help you buy your first home.<\/li>\n\n\n\n<li>KiwiSaver offers certain tax advantages, such as tax credits on your contributions and tax-free earnings on your investments.<\/li>\n\n\n\n<li>Enrolling in KiwiSaver can help you save for your retirement and provide you with a source of income when you retire.<\/li>\n\n\n\n<li>You can choose the type of KiwiSaver account that best suits your needs, such as a conservative, balanced, or growth-oriented investment strategy.<\/li>\n\n\n\n<li>You can change your KiwiSaver provider or switch to a different type of investment option at any time.<\/li>\n\n\n\n<li>If necessary, you can take a break from contributing to your KiwiSaver account and resume contributing anytime.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">What are the Government and Employer Contributions?<\/h2>\n\n\n\n<p>Under the KiwiSaver scheme, the government and your employer may both make contributions to your KiwiSaver account. The government&#8217;s contribution is known as the member tax credit. <\/p>\n\n\n\n<div  class=\"box box--icon box--star\">\n    <p>It is currently worth up to $521.43 per year for individuals who are enrolled in KiwiSaver and making at least the minimum required contributions. To be eligible for the member tax credit, you must be enrolled in KiwiSaver and a New Zealand resident.<\/p>\n<\/div>\n\n\n\n<p>Your employer may also choose to make contributions to your KiwiSaver account. These contributions are separate from your regular pay and are intended to help boost your savings. <\/p>\n\n\n\n<div  class=\"box box--icon box--idea\">\n    <p>Employer contributions are usually made at 3% of your gross salary or wages, but your employer may choose to contribute at a different rate or not make contributions at all.<\/p>\n<\/div>\n\n\n\n<p>Employer contributions are not mandatory, so you should check with your employer to see if they offer this benefit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What Happens to My Kiwisaver When I Die?<\/h2>\n\n\n\n<p>Your KiwiSaver funds will be paid out to your estate when you die. An &#8216;estate&#8217; is the legal term for all of the assets you own at your death, including your KiwiSaver funds. Your estate is managed by the person you have appointed as your executor, who will distribute your assets according to your will. If you have not selected an executor, a court will appoint one on your behalf.<\/p>\n\n\n\n    <div class=\"my-7 lg:my-10 border-y-2 border-gray-100 py-7 lg:py-10 flex flex-col sm:flex-row items-start gap-10\">\n                    <img decoding=\"async\" class=\"w-52 mx-auto my-0! rounded\" src=\"https:\/\/img.legalvision.com.au\/wp-content\/uploads\/sites\/2\/2022\/11\/04125848\/nz-ess-guide-560x792-2.jpg\" alt=\"Front page of publication\"\n                 loading=\"lazy\" width=\"208\" height=\"298\">\n                <section>\n            <div class=\"text-2xl font-bold\">Employee Share Schemes for New Zealand<\/div>\n            <div class=\"body-text\">\n                <p>Understand how an Employee Share Scheme will help your NZ startup attract and retain great talent.<\/p>\n            <\/div>\n            \n\n<a href=\"https:\/\/go.legalvision.co.nz\/ess-guide-nz.html\" class=\" block px-5 py-3.5 max-w-fit bg-orange button__hover transition rounded text-white font-bold text-lg no-underline uppercase leading-tight text-center\" target=\"\" rel=\"\">Download Now<\/a>        <\/section>\n    <\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Key Takeaways<\/h2>\n\n\n\n<p>In conclusion, your KiwiSaver funds will be paid out to your estate when you die. Your estate will be managed by the person you have appointed as your executor, who will distribute your assets according to your will. If you have not appointed an executor, a court will appoint one on your behalf. Therefore, it is essential to have a will to ensure that your assets are distributed according to your wishes. Additionally, it is vital to regularly review and update your will to ensure that it reflects your current circumstances and wishes. By planning and taking the necessary steps, you can ensure that your KiwiSaver funds are distributed according to your wishes when you pass away.<\/p>\n\n\n\n<div  class=\"box box--icon box--warning\">\n    <p>LegalVision does not provide assistance with this topic. We recommend you contact your local law society.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1682853973064\"><strong class=\"schema-faq-question\"><strong>Who manages your estate when you die?<\/strong><\/strong> <p class=\"schema-faq-answer\">Your estate will be managed by the person you have appointed as your executor, who will be responsible for distributing your assets according to your will. If you have not appointed an executor, a court will appoint one on your behalf.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1682853982178\"><strong class=\"schema-faq-question\"><strong>Can you choose who receives your KiwiSaver funds when you die?<\/strong><\/strong> <p class=\"schema-faq-answer\">When you die, you can specify in your will who you would like to receive your KiwiSaver funds. If you do not have a will, your assets will be distributed according to the laws of intestacy, which determine who will receive your assets.<\/p> <\/div> <\/div>\n<div class=\"not-prose m-feedback-prompt\">\n    <!-- Thumbs up\/down bar -->\n    <div class=\"m-feedback-prompt__main\">\n        <div class=\"m-feedback-prompt__title\">Was this article helpful?<\/div>\n        <div>\n            <!--span class=\"m-feedback-prompt__button--text\">Thanks!<\/span-->\n            <button type=\"button\" class=\"m-feedback-prompt__button m-feedback-prompt__button--yes\"\n                    data-analytics-link=\"feedback-prompt:yes\" aria-label=\"Agree\">\n                <i class=\"fa-regular fa-thumbs-up fa-3x\"><\/i>\n            <\/button>\n            <button type=\"button\" class=\"m-feedback-prompt__button m-feedback-prompt__button--no\"\n                    data-analytics-link=\"feedback-prompt:no\" aria-label=\"Disagree\">\n                <i class=\"fa-regular fa-thumbs-down fa-3x\"><\/i>\n            <\/button>\n        <\/div>\n    <\/div>\n\n    <!-- Feedback form -->\n    <div class=\"m-feedback-prompt__form\">\n        <div class=\"m-feedback-prompt__form--thanks \">\n            <div>Thanks!<\/div>\n            <p>\n                We appreciate your feedback \u2013 your submission has been successfully received.            <\/p>\n        <\/div>\n        <form id=\"contact-form\" class=\"m-feedback-prompt__form--form\" action=\"\" method=\"post\">\n            <input type=\"hidden\" id=\"authenticity_token\" name=\"authenticity_token\" value=\"3bc3beddae\" \/><input type=\"hidden\" name=\"_wp_http_referer\" value=\"\/api\/wp\/v2\/posts\/222729\" \/>            <input value=\"https:\/\/legalvision.co.nz\/employment\/kiwisaver-funds\/\" type=\"hidden\" name=\"currenturl\"\n                   id=\"currenturl\">\n            <input value=\"What Happens to My KiwiSaver Funds When I Die in NZ?\" type=\"hidden\" name=\"currenttitle\"\n                   id=\"currenttitle\">\n            <label>\n                <!-- display on thumbs-up -->\n                <span class=\"m-feedback-prompt__feedback m-feedback-prompt__feedback--yes\">\n                    Can you tell us <span class=\"font-semibold\">why<\/span> you found it helpful?\n                <\/span>\n\n                <!-- display on thumbs-down -->\n                <span class=\"m-feedback-prompt__feedback m-feedback-prompt__feedback--no text-lg\">\n                    How can we better improve this article?\n                <\/span>\n                <textarea name=\"feedbackmessage\" id=\"feedbackmessage\" required><\/textarea>\n            <\/label>\n\n            <div class=\"m-feedback-prompt__form--error\" id=\"form-submit-error\"><\/div>\n            <button id=\"submit-contact-form-button\" type=\"submit\" name=\"commit\" class=\"m-feedback-prompt__form--submit\"\n                    data-analytics-link=\"feedback-prompt:submit\">\n                Submit            <\/button>\n        <\/form>\n    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you are an employee in New Zealand, chances are you have a KiwiSaver. KiwiSaver is a voluntary savings scheme the New Zealand Government set up to help people save for retirement. Many people have KiwiSavers, but not many know what happens to it when you die. This article will explain what happens to your<a href=\"https:\/\/legalvision.co.nz\/employment\/kiwisaver-funds\/\">Continue reading <span class=\"sr-only\">&#8220;What Happens to My KiwiSaver Funds When I Die in NZ?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":13248,"featured_media":215608,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"207991,213943,213108,955,207567,209263","_relevanssi_noindex_reason":"","editor_notices":[],"footnotes":""},"categories":[5],"tags":[25,30,31,138],"class_list":["post-222729","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-employment","tag-small-business","tag-company","tag-remuneration","tag-kiwisaver"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Happens To KiwiSaver Funds if I Die? 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Dillon is currently studying a Bachelor of Laws and Bachelor of Commerce majoring in Finance at Victoria University of Wellington. In his spare time, Dillon enjoys watching sports and keeping up with geo-politics.","sameAs":["laini.bennett@legalvision.com.au"],"url":"https:\/\/legalvision.co.nz\/author\/dillonbalasingham\/"},{"@type":"Question","@id":"https:\/\/legalvision.co.nz\/employment\/kiwisaver-funds\/#faq-question-1682853973064","name":"Who manages your estate when you die?","acceptedAnswer":{"@type":"Answer","text":"Your estate will be managed by the person you have appointed as your executor, who will be responsible for distributing your assets according to your will. If you have not appointed an executor, a court will appoint one on your behalf.","inLanguage":"en-NZ"},"inLanguage":"en-NZ"},{"@type":"Question","@id":"https:\/\/legalvision.co.nz\/employment\/kiwisaver-funds\/#faq-question-1682853982178","name":"Can you choose who receives your KiwiSaver funds when you die?","acceptedAnswer":{"@type":"Answer","text":"When you die, you can specify in your will who you would like to receive your KiwiSaver funds. If you do not have a will, your assets will be distributed according to the laws of intestacy, which determine who will receive your assets.","inLanguage":"en-NZ"},"inLanguage":"en-NZ"}]}},"_links":{"self":[{"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/posts\/222729","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/users\/13248"}],"replies":[{"embeddable":true,"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/comments?post=222729"}],"version-history":[{"count":4,"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/posts\/222729\/revisions"}],"predecessor-version":[{"id":222844,"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/posts\/222729\/revisions\/222844"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/media\/215608"}],"wp:attachment":[{"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/media?parent=222729"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/categories?post=222729"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/legalvision.co.nz\/api\/wp\/v2\/tags?post=222729"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}