RETIREMENT INVESTMENTS
Funding my retirement
If you’re in retirement or about to retire, have you got enough to enjoy the lifestyle you want? Are your funds structured to take advantage of long term returns and reduce investment risk? You can use this tool to help you on both fronts.

The Waterfall Savings Calculator
About this calculator
About this calculator
Assumptions
-
You are currently retired (or about to retire)
- You are eligible for NZ National Superannuation from age 65.
- Your tax code for IRD is ‘M’
-
You receive no government contribution for your KiwiSaver as you are currently retired.
-
Your KiwiSaver and other investments are in a managed fund which is a portfolio investment entity (PIE). Your PIE income is taxed at either 28%, 17.5% or 10.5%, depending on your total taxable income.
-
Your net return from the managed fund will vary, depending on your type of fund and your PIE tax rate or prescribed investor rate (PIR). The assumed returns for this calculation are:
Term
|
Net Return * |
Short Term (2 Years) – Cash/Term Deposit
|
0.5%
|
Medium Term (Years 3-6) – Conservative Fund
|
1.0%
|
Long Term (Years 7+) – Balanced Fund
|
2.0%
|
Calculator methodology
Adjusting for inflation
Results
IMPORTANT: PLEASE READ.
This tool is provided for guidance purposes. The calculations and information provided should not be construed as personalised financial advice. We encourage you to seek personalised financial advice before acting on the information provided.
Help is at hand
A quick KiwiSaver-question? We're here to help. Is it time to take a good look at your financial plan? We can help there too. From simple queries through to advice for retirement, investment, and financial planning, we welcome you to get in touch.
Help is at hand
A quick KiwiSaver-question? We're here to help. Is it time to take a good look at your financial plan? We can help there too. From simple queries through to advice for retirement, investment, and financial planning, we welcome you to get in touch.

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