Welcome
Congratulations on your new job. As part of your salary package, ACC will contribute the equivalent of 9% of your salary to a retirement savings scheme of your choice (our contribution can not be provided as a cash payment).
Before your first day at ACC you need to decide whether you’d like ACC's contributions (and your contribution if you wish to make one) go into mysuper – ACC’s own superannuation scheme – or KiwiSaver. You can be a member of both schemes at the same time, but your ACC contribution can only be directed to one. You choose.
You can use the information below to compare the two schemes, and help you make your decision.
Comparing schemes at a glance
| Is this a not for profit scheme owned by its members? |
N
Kiwisaver |
| Can I withdraw my retirement savings when I leave ACC? ? |
Y
mysuper, Unlocked N
mysuper, Locked N
Kiwisaver |
| Can I receive a Member Tax Credit up to $521 each year? ? |
N
mysuper, Unlocked Y
mysuper, Locked Y
Kiwisaver |
| Can I make a first homebuyer withdrawal? ? |
N
mysuper, Unlocked Y
mysuper, Locked Y
Kiwisaver |
| Can I access a HomeStart grant towards my first home? |
N
mysuper, Unlocked Y
mysuper, Locked Y
Kiwisaver |
| Can I pay zero fees while on parental leave? |
Y
mysuper, Unlocked Y
mysuper, Locked N
Kiwisaver |
| Can I add on life and income protection insurance? ? |
Y
mysuper, Unlocked Y
mysuper, Locked N
Kiwisaver |
| Is this scheme guaranteed by the government? |
N
mysuper, Unlocked N
mysuper, Locked N
Kiwisaver |
| Do I get to keep all the money contributed into my scheme of choice? |
Y
mysuper, Unlocked Y
mysuper, Locked Y
Kiwisaver |
Compare schemes tool
You’ve just compared some mysuper and KiwiSaver features at a glance. The tool below will now help you to make a more in depth comparison between the two schemes - the options you have with each when it comes to contribution rates, account structure choices, investment fund selections and the fees you’ll pay as a member. All of which play a part in how your retirement savings grow.
If you have any questions about either scheme you can always get in touch with either mysuper or KiwiSaver to find out more.
Your details
Select a KiwiSaver scheme for comparison?
Structuring your account
| mysuper | KiwiSaver | |
| Your contributions | $0 /fortnight | $0 /fortnight |
| Unlocked | $0 /fortnight | $0 /fortnight |
| Locked | $0 /fortnight | $0 /fortnight |
| ACC contributions | $0 /fortnight | $0 /fortnight |
| Unlocked | $0 /fortnight | $0 /fortnight |
| Locked | $0 /fortnight | $0 /fortnight |
|
?
ESCT |
-$0 /fortnight | -$0 /fortnight |
|
?
Member Tax Credit |
$0 /year | $0 /year |
|
?
Fees |
-$0 /year | -$0 /year |
| Net Savings | $0 /year | $0 /year |
Where do you want your 9% from ACC to go?
Now that you've compared mysuper and KiwiSaver, you need to pick which is your preferred superannuation scheme, and customise your selections above further.
Please complete this step now so your 9% ACC super allowance goes to the right place when you receive your first pay. ?
