KiwiSaver scheme is a voluntary, government-supported savings scheme in New Zealand that helps individuals save for their retirement. It’s designed to provide a simple and effective way to save for the future, with contributions from both employees and employers, as well as from the government in the form of tax credits. KiwiSaver scheme offers a range of investment options and flexibility to suit different needs and preferences. The funds in KiwiSaver are locked in until retirement, except in certain circumstances such as buying a first home. KiwiSaver scheme has become an integral part of retirement planning for many New Zealanders and has helped millions of people save for their future.