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What about my KiwiSaver?

It doesn't work the way people assume.

You've been contributing to KiwiSaver for years.

Without a clear Will

  • KiwiSaver has no 'nominated beneficiary' like some overseas schemes — it forms part of your estate.
  • Without a Will, it's distributed under intestacy rules.

With a Will

  • Your KiwiSaver balance is distributed as part of your estate, according to your Will.
  • For smaller balances, providers may release funds with less paperwork — a Will still makes it smoother.

Practical guidance for NZ

  • Treat KiwiSaver as an estate asset, not a separate pay-out.

Ready to prepare for your own Will?

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