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Retirement Savings Plan

Get the most of your retirement savings

If you're looking for a workplace superannuation scheme that qualifies for matching employer contributions from DHBs, makes a difference towards a sustainable future and where your savings are available at age 55, join the MAS Retirement Savings Plan online in just five minutes*.


Join or Transfer button

 *The MAS Retirement Savings Plan is a restricted workplace savings scheme. To be eligible to join you must meet one or more of the criteria detailed on page 2 of the RSP Product Disclosure Statement.

Key features of MAS Retirement Savings Plan

  • It is recognised by District Health Boards and the New Zealand Royal College of General Practitioners as a workplace savings scheme - so it qualifies for matching employer contributions.
  • It is a Recognised Overseas Pension Scheme (ROPS). This means that you may be able to transfer your UK pension to the Plan.
  • Your savings are available earlier than KiwiSaver (age 55 rather than age 65).
  • There are no setup, entry or contribution fees.
  • When it's time to withdraw your savings, you choose how your money is paid to you - in a lump sum or regular amounts.

Why MAS?

Our Commitment

At MAS, we're committed to doing what we can to make a positive impact on the health and well-being of future generations of New Zealanders, and to a sustainable future. It’s why we’ve implemented a responsible investing approach across $1.4 billion of superannuation funds and insurance reserves. We exclude companies from the fossil fuel, tobacco and armaments industries. 

Active investment management

MAS employs investment managers who actively seek opportunities to increase returns while moderating potential risks. While this may cost a little more than cheaper alternatives that simply follow market indices, we’re confident this approach will add greater value to Members’ savings over the long-term.

Different because we care

At MAS, we think differently about our service to Members.  Our advisers aren't paid an incentive: they're commission-free.  And as a benefit of membership, their advice comes at no additional cost.  Just more ways we show that we have our Members' best interests at heart.

Our Members, our priority

MAS is a mutual, a membership based organisation set up exclusively for New Zealand professionals and their families. We take care of their needs so they can focus on doing good work and doing good in their communities. At MAS, we count it a privilege to protect what matters most to our Members - their assets, their future income that will provide for them and their loved ones, and their plans for life after retirement.


MAS was founded by doctors nearly 100 years ago, and today more than 32,000 professionals and their families choose MAS, including 85% of NZ medical professionals (as of August 2017).

The MAS Retirement Savings Plan has been trusted by our Members for over 25 years and now has over 6,500 Members with more than $730,000,000 invested.

Choose the right fund

Everyone has different circumstances. With the MAS Retirement Savings Plan, there are seven Funds to choose from, which means you can choose a fund that meets your needs.

Our risk profiler can help you work out what fund might work best for you and your situation.

If you still aren't sure which Fund is right for you, you can talk to a MAS adviser by calling us on 0800 800 627 or email

More information

The Trustees of the MAS Retirement Savings Plan are the issuer and manager of the Plan. A copy of the Product Disclosure Statement can be viewed here.