Complete the form below to join mysuper.
Woohoo, you've decided to join mysuper! To complete your application, and set up your mysuper account, we just need you to customise a few selections, and provide us with a few details about yourself in the form below.
Great, you've decided to join mysuper! You’ve already completed much of the application form but we need just a few more details and then we can sign you up. You’ve already made some choices on how you want your mysuper account to be set up but we do encourage you to further explore these as there are a few more added benefits and options we want to offer.
If you choose to make employee contributions (you don't have to), the minimum contribution rate is 3% of your salary, but you can contribute as much as you like above that in 1% multiples.
ACC contributes 9% (before tax) of your salary to your retirement savings regardless of what you contribute as an employee. These contributions are on top of your salary, and are taxed in line with your personal income tax.
learn more about contributions
If you choose to make employee contributions to your retirement savings, the minimum contribution rate is 3% of your salary, but you can contribute as much as you like above that in 1% multiples.
If you choose not to make a contribution, but still want to receive ACC's 9% (before tax) contribution you can. This is called a savings suspension and some conditions apply.
ACC will provide a breakdown of the fortnightly deduction you make to mysuper, based on your selection, on your payslip.
Use the slider to select the rate you want to contribute to your mysuper account.
* Emploer superannuation contribution tax.
* To cover the minimum payment for life and income protection a minimum 3% employee contribution is required.
** This does not take into account the tax on ACC’s contributions.
*** The estimated annual savings amount above does not factor in any interest that your retirement savings may earn or Member Tax Credits.
As you have selected 0% employee contribution rate you can’t make locked contributions and won’t be able to access Government contributions and First Home Withdrawals. Further, you won’t be able to access the insurance. If you want to add these extras to mysuper you need to make a minimum 3% employee contribution.
You can structure your mysuper account between unlocked or locked contributions. There are three account structure options to choose from: 100% Unlocked, 100% Locked, or a combination of both with only the first 3% of your contributions locked away called Minimum Locked. Once you start making locked contributions, a minimum 3% locked contribution must always be made.
learn more about locked contributions
The minimum locked employee contribution to mysuper is 3%.
The amount you choose to lock away will also apply to your employer contribution. E.g. a 3% employee locked contribution will mean the first 3% of your employer contribution is also locked.
Locked retirement savings aren’t able to be withdrawn by a Member until they reach the New Zealand Retirement age (currently 65 years). Some conditions apply if you join mysuper and you are over 60 years – see our Product Disclosure Statement.
Government contribution – If you choose to make a locked employee contribution each year the government will pay .50 cents for every dollar of your total annual contribution, up to a maximum payment of $521.43. You must contribute at least $1,042.86 annually to qualify for the maximum payment of $521.43. Your employer contribution does not count towards this type of credit.
ACC will provide a breakdown of the fortnightly contributions you make to mysuper, based on your selection, on your payslip.
Based on your fortnight contributions you’re agreeing to lock way a minimum of $0.
Based on your fortnightly contribution and account structure selection you will lock away $0.
If you chose to make locked in contributions you can make a withdrawal for five year, or until you reach age 65. Based on your fortnightly contributions you\'re able to lock away a minimum of 0.
Members over 60 years who agree to make locked contributions must note:
You must be 18 years or over to be eligible for a Government contribution.
You have two options you can choose from to select how your retirement savings are invested – easyselect or selfselect. Explore the options below to invest your retirement savings to suit you.
learn more about investments
easyselect is for people who would rather leave the investment decisions to our experts. Your investment mix changes as you get older to ensure your retirement savings are managed according to your age.
selfselect lets you choose how your retirement savings are invested across our four different funds (Cash, Conservative, Balanced or Growth). Simply allocate a percentage of your retirement savings to one or more of the funds we offer to suit your personal situation and investment goals.
Choose easyselect easyselect adapts to suit your age. Our experts manage your investment mix as you get older to ensure they reflect where you’re at in life.
See how it breaks down for you
Your current age: -
Global Shares - %
Australasian Shares - %
Global Fixed Interest - %
NZ Fixed Interest - %
Cash - %
Conservative fund:10%
Balanced fund:15%
Growth fund:75%
The allocation of these percentages will changes as you get older.
Choose selfselect selfselect offers you more control over where your retirement savings are invested. You can choose how your contributions are allocated between one or more of our four investment funds.
Growth Fund details
You are saving and have many years until retirement to withstand rises and falls in the value of your retirement savings so you will have a large proportion of growth assets
Balanced Fund details
Retirement is still in the distance but approaching. It’s time to hold a more balanced mix of growth and conservative assets.
Conservative Fund details
Retirement is approaching so your asset mix should now lean towards more conservative types, while still seeking growth.
Cash Fund details
You want to achieve modest, stable returns with a very low level of investment risk - in exchange there will be no significant short-term movements up and down in the value of your investments.
investmentchoice offers you more control over where your retirement savings are invested. You can choose how your contributions are allocated between one or more of our four investment funds – Cash, Conservative, Balanced or Growth.
Investment Management fees are charged for each fund type mysuper offers. To learn more go to Investments.
You can receive combined life and income protection insurance - paid directly from your mysuper account. Your premiums will increase with salary and age.
learn more about insurance
Provides a lump sum payment of three times your annual salary (up to $450,000) if you die.
You can add to your mysuper account life and income protection insurance, paid from your mysuper account, with lower premiums.
If you're unable to work due to illness or accident there's a 13-week standdown period.
If you choose the mysuper insurance add-on within 90 days of joining ACC, any pre-existing conditions will be covered. If you apply outside of the first 90 days you will need to complete a personal statement and be medically underwritten for all benefits. Unless you have any underlying health issues this should not effect your premium. If there is an issue it may be that the premium is increased, or cover is declined, deferred or accepted with conditions.
Premiums can only be deducted from unlocked contributions so if you have chosen the 100% Locked account structure you aren't able to add-on our insurance cover. The KiwiSaver Act 2006 does not permit payment of insurance premiums out of locked retirement savings.
For the policy wording see the life insurance (PDF 508 KB) and income protection (PDF 781 KB) policies.
Great! You are covered, Marsh (our insurance broker) will send you a letter confirming your cover in the next 20 business days.
Thanks for applying! We’ll need to get some additional information off you. We’ll send you some forms within the next 10 business days.
Great, we’ll get onto covering you with our life and income protection insurance. We’ll be in touch.
You won’t be covered by our life and income protection insurance, but if you change your mind let us know. You can add on insurance at anytime by emailing insurance@mysuper.co.nz
Ok, got it... The ACC Payroll Team will continue to make KiwiSaver deductions from your salary.
We'll send you a copy of the form to request the savings suspension with the email we send you to confirm you've joined mysuper. You'll need to complete and return the form to the Inland Revenue Department to action the suspension.
Print form
Your employee contribution rate:%
Your contribution $
ACC's contributions $
Less Tax (ESCT) -$
*Employer superannuation contribution tax.
Government contribution $
Total contributions: $
You chose:
Unlocked contributions: $
Locked contributions: $
Government contribution: $
Annual total $
Investment option selected:
Growth Fund %
Balanced Fund %
Conservative Fund %
Cash Fund %
You have added insurance:
Life cover: $0
Income protection (per annum): $0
Equivalent fortnightly deduction from mysuper: $0
Annually that’s: $0
Date of birth: //
Gender:
Salary: $
I joined ACC:
I work at ACC:
Hours per week:
confirm that I have read and understood the current Product Disclosure Statement and accept the terms and conditions.
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0508 MYSUPER (0508 697 873)
hello@mysuper.co.nz
