How it works

UniSaver is a registered superannuation scheme sponsored by participating universities and associated organisations throughout New Zealand. 

How unisaver works

Two ways to save

UniSaver is split into two sections – the standard section and the locked section, which works much like KiwiSaver. Permanent employees can choose to contribute to the standard section and/or the locked section. However, to join the locked section, they must meet age and citizenship criteria. Fixed-term employees are only eligible to join the locked section. Again, they must meet age and citizenship criteria.

Two sections

More information

Join the locked section

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