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KiwiSaver and other superannuation schemes
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How KiwiSaver can work with another superannuation scheme
Because KiwiSaver and other superannuation funds, such as the MAS Retirement Savings Plan (RSP), offer different advantages, it may be better for you to keep your existing scheme going and divert some or all of your future contributions to KiwiSaver. To find out more, call us on 0800 800 627.

Advantages of KiwiSaver and another super scheme


Because KiwiSaver and other super schemes have different benefits, you can get the best of both worlds.

It may be best to keep your existing super fund, such as MAS Retirement Savings Plan (RSP), and divert your future contributions (of 3% of your salary) to KiwiSaver. This way you will:

  • Retain a fund that you can access earlier; with MAS RSP this is when you turn 55.
  • Also reap the extra financial benefits of KiwiSaver.

Differences between Medical Assurance Society KiwiSaver Plan and MAS Retirement Savings Plan

  • MAS RSP is locked in until you turn 55 while KiwiSaver is locked in until you turn 65 (except for first home buyers and those with special circumstances such as financial hardship).
  • MAS RSP allows joint accounts – KiwiSaver doesn’t.
  • You can contribute as much or as little as you like to RSP, while KiwiSaver has a prescribed contribution rate of 3%, 4% or 8% through your employer (although you can also make direct contributions of higher than 8% by contacting your KiwiSaver provider direct).

And these figures don’t even include the other financial benefits of KiwiSaver, including the $1,000 kick-start payment and the government’s matching contributions of up to $521.43 a year.
Apply now

Download the investment statement and find out how to apply here.


Or for personal, tailored advice, you can talk to a MAS adviser by phoning 0800 800 627 or emailing





Investments in the Medical Assurance Society KiwiSaver Plan are not guaranteed. Copies of the latest registered prospectus and investment statement can be downloaded here or obtained by calling us on 0800 800 627.

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