Guy on a bike - MAS Retirement Savings

Saving on your terms

Employer-based superannuation scheme recognised by Te Whatu Ora Health New Zealand and the Royal New Zealand College of General Practitioners.

  • Withdrawals from age 55
  • Eligible UK pension transfers accepted
  • Employer contributions can be paid directly to your account

Why choose the MAS Retirement Savings Scheme?

nest eggs illustration hands on

Hands-on investment management

Our active approach to investing aims to outperform the market and deliver higher returns for your investment.

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Advice when you need it

Our range of tools and nationwide network of MAS Advisers are here to help you grow your wealth and create the financial future you want.

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100% owned by our Members

We're a New Zealand owned mutual that's here for our Members, not overseas shareholders. When you join us, you become one of our owners.

Fund performance
Financial advice

We have a diverse range of 7 funds to choose from

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Growth Fund

Suitable for investors who are prepared to accept a higher level of investment risk to potentially achieve a higher return over the long term.

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Balanced Fund

Suitable for investors who are prepared to accept a medium level of investment risk to potentially achieve a medium return over the medium term.

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Conservative Fund

Suitable for investors willing to accept a smaller amount of investment risk to potentially achieve a more stable return over the short term.

See all Funds
Fund Finder
KSS investment returns performance

We aim to outperform

The long-term performance of your investment funds makes a big difference to growing your savings, which is why we take an active investment approach.

Fund performance Market insights
Responsible investing Fees and charges
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Easy account management

It’s easy to manage your account with our MAS Investment Portal. You can see your balance, switch Funds, update your details and more. 

MAS Investor Portal login Manage my investments
UK pension transfers Investment information

What our members say

As a mutual our members are a top priority.

  • “MAS has given me a lot of advice over the years - great advice. They also work hard to provide wellbeing for their Members.”

    Tiff Logan, Dentist

  • “MAS has certainly made a really big effort to get us to understand more about where they are investing our money, and in particular moving into more ethical investment products.”

    Anna Sullivan, Emergency Medicine Specialist

  • “Now that I’m almost retired, I get the reports from MAS on the performance of the plan and it’s one of the highlights of my month.”

    Geoffrey Horne, Orthopaedic Surgeon

  • “In my 50+ years of membership, MAS has never disappointed me.”

    MAS Member

Useful links

MAS Retirement Savings Scheme - Product Disclosure Statement
MAS Retirement Savings Scheme - Other Material Information
MAS Retirement Savings Scheme - Statement of Investment Policy and Objectives
MAS Responsible Investment Policy
MAS Retirement Savings Scheme Documents & Forms
How much do you need to retire?

You can access the latest Investment Information, including quarterly fund updates which provide a detailed overview of performance fees, asset mix and key holdings for each fund.

Medical Funds Management Limited is the issuer and manager of the MAS KiwiSaver Scheme, MAS Retirement Savings Scheme, and MAS Investment Funds. The Product Disclosure Statements are available at MAS KiwiSaver Scheme PDS, MAS Retirement Savings Scheme PDS, and MAS Investment Funds PDS. 

If you would like to talk to a MAS Adviser, phone 0800 800 627 or email info@mas.co.nz.