Kiwisaver Application Form

Before you get started

  • You need to be 18 or over. If you are under 18, you or your guardian(s) will need to complete the paper-based form and your guardian(s) will be required to sign the application and provide their identity documents.  Contact us at if you require assistance.
  • You will need your IRD number. You can find it on your payslip or by contacting the Inland Revenue Department.
  • You must read the current Lifestages KiwiSaver Product Disclosure Statement dated 26 June 2023 for information about the objectives and characteristics of the Lifestage​s KiwiSaver Scheme including the various investment options, how you can make changes to your selected investment option(s), and the fees that may apply.  You must download the Product Disclosure Statement at the bottom of this page before starting this application.
  • If you are already a Lifestages KiwiSaver Scheme member, you can change your investment profile at any time here.
  • This application requires you to select your investment profile.  You can work out your investment risk preference before you start by using our risk profile questionnaire here.
  • We will need to verify your proof of address and identification before we process your application.  Please have your identification documents, such as your New Zealand drivers licence or New Zealand passport at hand.  Alternatively, you can skip this for now and we can contact you later to verify your proof of address and identification​.
  • If you were born in the USA and/or are a USA tax resident, please seek tax advice before applying.
  • Your draft application will be held in our system for seven days.


What happens after you complete the application form?

We will be in contact with you if we need further information to process your application.  This may include verifying your proof of address and identification.

Once your application has been approved you will be automatically set up with online access so that you can see your investment balance and other information about your Lifestages KiwiSaver Scheme investment.  We will set you up with an online access profile and temporary password and will be in touch with you to help you complete the online access steps.

You can join KiwiSaver if you’re both:

  • a New Zealand citizen, or entitled to live in New Zealand indefinitely; and
  • you live or normally live in New Zealand.

You cannot join KiwiSaver if you have a temporary, visitor, work or student visa.

You have to download the Product Disclosure Statement before you can start
Apply online now

Member's details

Your service provider

Which Isbister Financial Adviser referred you to Lifestages​ KiwiSaver?

My tax information

Not sure what to select?  

If in either of the last two tax years:

(a) your taxable income was $14,000 or less; AND
(b) your total income (PIE + taxable income) was $48,000 or less;

Your PIR is 10.5%

If in either of the last two tax years:

(a) your taxable income was $48,000 or less; AND
(b) your total income (PIE + taxable income) was $70,000 or less;

Your PIR is 17.5%

In all other cases:

Your PIR is 28%

Transfer from another scheme (if applicable)

​Are you transferring from another KiwiSaver scheme?

If you already have an existing KiwiSaver Scheme, we will transfer your investment balance into the Lifestages KiwiSaver Scheme. You do not have to do anything else - we will take care of this for you.​ Transfers can take up to two weeks.

Please continue your application.

We can check for you. You can continue with the application.

​Are you transferring from another superannuation scheme?

If you’re already in another superannuation scheme, it’s important you talk to your employer before joining KiwiSaver. Joining KiwiSaver may affect the contributions you and your employer make to your existing superannuation scheme. For example, it might mean that you’re required to contribute to both KiwiSaver and your existing superannuation scheme. You can continue with you application if you wish.

If you would like to transfer funds from an Australian Superannuation Scheme, you can do this once your account in the Lifestages KiwiSaver Scheme is established. You do not have to do anything now. You can refer to our website for more information on Australian superannuation transfers later.

Please continue your application.

Please continue your application.

Contribution details

Employment status

If you are employed your regular contributions will be made by your employer (whom you authorise to deduct those amounts from your pay).

  • You must let your employer know the contribution rate you have elected (as a percentage of gross salary or wages).
  • If you are joining KiwiSaver for the first time please let your employer know.

You can view the possible impact on your future retirement savings of your fund choice and contribution rate by using our projected retirement balance calculator.

You can continue with the application. As a self-employed KiwiSaver member, you can make voluntary contributions to your Lifestages KiwiSaver scheme.
You can make voluntary contributions to your Lifestages KiwiSaver Scheme.

Voluntary contribution(s) (if applicable)

Will you make voluntary contributions into your Lifestages KiwiSaver scheme?

I (or a third party on my behalf) will make:

You can make regular voluntary contributions by making direct debit payments. Once you have completed this application, we will be in touch with you to set up the direct debit.

You can make a one off payment now and any time in the future by making an electronic transfer payment. Once you have completed this application, we will be in touch with you to provide you information about how to make this payment.

Please continue your application.

Purpose of investment

Primary purpose for the investment

How do you intend to transact on this account?

Note that this information is requested solely in relation to our AML/CFT Act obligations and is not used to address the suitability of your product selection or to provide financial advice.

Please note that we are required to take additional steps to verify your identity. Our customer service team will be in contact with you once you have completed this application

Select your investment profile

  1. Please choose which fund you would like to invest in, nominate a combination of both funds OR select the Lifestages Auto option.
  2. If you choose to be in the Lifestages Auto option, we will automatically adjust your allocation between the Lifestages High Growth Fund and the Lifestages Income Fund based on the predetermined exposures for your age group.
  3. You can switch your investment profile at any time.

You can create your own investment profile below by selecting from one of the commonly selected investment profile mixes provided for your convenience, or you can select your own investment profile. The commonly selected mixes reflect the combinations used in the Lifestages Auto option for different age ranges.

Verifying your identity

Please supply either your NZ Drivers Licence or your NZ Passport details

NZ Driver's licence

Please provide your Drivers Licence details so we can verify you. Make sure that your name previously entered exactly matches the name shown on your Licence, and that your Licence version and expiry date are entered.

The licence number is printed on your licence under the heading ‘5a’ or ‘Licence’
The version is printed on your licence under the heading ‘5b’ or ‘Version’
Must not be expired.

NZ passport number

Please provide your New Zealand Passport details so we can verify you. Make sure that your name previously entered exactly matches the name shown on your Passport, and that your expiry date is entered.

Make sure the given name you have entered into the form matches the name shown on your passport
Must not be expired.

Verifying your address

To help verify your address please provide the number plate of a vehicle registered in your name.

Vehicle Registration

Leave blank if you do not own a vehicle.

Other options


Privacy statement

For the latest version of the Lifestages Privacy Policy please click here.

You must read the Privacy Statement before you can agree to it

Investor declaration

  1. I am eligible to join the Scheme and I wish to apply for membership of the Scheme on the basis set out in the current PDS for the Scheme;
  2. I agree to be bound by the provisions of the Scheme's trust deed and by the requirements of the KiwiSaver Act 2006 and any regulations or notices promulgated under that Act;
  3. I have received a copy of the current PDS for the Scheme and have read it in full;
  4. I understand that units will only be allocated for a contribution or other amount received effective on the valuation date when the relevant amount is received by FANZ, and understand that contributions made through Inland Revenue may be subject to delay before receipt by FANZ;
  5. I acknowledge that neither the Supervisor, FANZ, SBS Bank or any other person will be liable to me for any loss as a consequence of my choice of investment strategy, my choice to invest through the Lifestages Auto option, or any choice of investment strategy I make in the future, and that my investment in the Scheme is not guaranteed by any person;
  6. I acknowledge that FANZ's sole obligation with respect to contributions made to the Scheme by or in respect of me is to apply the contributions received in accordance with the trust deed for the Scheme and the KiwiSaver Act 2006, that there is no contractual arrangement between my employer(s) (if any) and FANZ as to the payment of employer contributions, and that FANZ are under no obligation to verify the appropriateness of the amount of any contribution received;
  7. I have read and understood the FANZ Privacy Policy available at and consent to the collection, use, disclosure and retention of my personal information for the purposes of processing this application, managing my membership of the Scheme, and as otherwise in accordance with the terms of the Privacy Policy;
  8. I acknowledge that my investment in the Scheme is subject to fees and charges, as set out in the current PDS for the Scheme (or as subsequently varied);
  9. I declare that all the information contained in this form is true and correct and acknowledge responsibility for its accuracy whether the information was written by me or another person;
  10. I understand that where I have invested in both investment funds, values may change at a different rate. I also understand that FANZ will automatically rebalance my allocations between investment funds back to my selected investment profile on an annual basis and I authorise FANZ to undertake such rebalancing;
  11. I understand that where I have invested in the Lifestages Auto option FANZ will automatically adjust my allocation between investment funds based on predetermined exposures for my age group, and I authorise FANZ to make such adjustments. I also understand that FANZ may change the Lifestages Auto option age ranges and fund exposures at any time. If this occurs, my allocations will be adjusted accordingly;
  12. I understand that if I do not select a fund, a combination of both funds, or the Lifestages Auto option my contributions will be invested in the Lifestages Age Auto option (the Scheme’s default option);
  13. I acknowledge that investments in the Scheme do not constitute bank deposits or liabilities of SBS Bank and that SBS Bank does not stand behind the capital value and performance of the securities;
  14. By supplying my email address, I consent to receiving all forms of communication from FANZ or the Supervisor regarding the Scheme via email. This will include investment updates, transaction statements, annual PIE tax statements, personalised statements and news of investor events. I also consent to receiving a web link (World Wide Web uniform resource locater ("URL")) for access to electronic copies of the Scheme's annual report; and
  15. I authorise and consent to FANZ accessing my details on any electronic or physical database (including, without limitation, the New Zealand Transport Agency's database of driver licences and the Department of Internal Affairs database of passports) for the purpose of verifying any identity information I have provided as required by this Form.
  16. By signing this form in my capacity as a Guardian on behalf of, and for the benefit of, the Member, I acknowledge that I have read and understand the information contained in this application form and give consent for the Member to enrol in the Scheme in accordance with, and subject to, the terms and conditions referenced in this application form.
You must read the Investor Declaration before you can agree to it
(Note - this is the document you downloaded at the start of this form)