Are you an Australian citizen looking to migrate your Super overseas?
Are you an Australian citizen looking to migrate your Super overseas?
Are you an Australian citizen looking to migrate your Super overseas?
Are you an Australian citizen looking to migrate your Super overseas?
Are you an Australian citizen looking to migrate your Super overseas?
Concerned about Division 296 and what it means for your Australian Superannuation? Looking for the best options for your wealth?
Concerned about Division 296 and what it means for your Australian Superannuation? Looking for the best options for your wealth?
Concerned about Division 296 and what it means for your Australian Superannuation? Looking for the best options for your wealth?
Concerned about Division 296 and what it means for your Australian Superannuation? Looking for the best options for your wealth?
Are you looking for a pathway?
Concerned about Division 296 and what it means for your Australian Super?
Division 296 is a new tax introduced by the Australian government. If legislated, it will apply to individuals with Superannuation balances exceeding $3 million.
Under Division 296, earnings that are attributable to the portion of a Total Superannuation Balance (TSB) over $3 million will be taxed at a flat rate of 15%. The larger the AUD balance, the larger the 1-year gain, the more brutal the tax.
Many Australians are discovering that transferring to a KiwiSaver Scheme in New Zealand offers a strategic way to navigate new regulations while potentially accessing greater longer-term investment flexibility.
Many Australians are discovering that transferring to a KiwiSaver Scheme in New Zealand offers a strategic way to navigate new regulations while potentially accessing greater longer-term investment flexibility.
Many Australians are discovering that transferring to a KiwiSaver Scheme in New Zealand offers a strategic way to navigate new regulations while potentially accessing greater longer-term investment flexibility.
Many Australians are discovering that transferring to a KiwiSaver Scheme in New Zealand offers a strategic way to navigate new regulations while potentially accessing greater longer-term investment flexibility.
Many Australians are discovering that transferring to a KiwiSaver Scheme in New Zealand offers a strategic way to navigate new regulations while potentially accessing greater longer-term investment flexibility.
The Opportunity
Transfer your Australian Super to a New Zealand Kiwisaver Scheme
Looking to escape potentially hefty Division 296 tax implications on your Australian Self-Managed Super Fund? Consider transferring to a KiwiSaver Scheme in New Zealand. This is currently one of the only avenues for shifting your Australian Super out of Australia and has some possible flow-on benefits.
This pathway offers investment freedom, portfolio diversification, and potentially much friendlier tax arrangements than what are being proposed in Australia.
While the process requires careful execution and attention to detail, it presents a unique opportunity for Australians concerned about regulatory changes to reposition their retirement savings in a more favourable framework.
Looking to escape potentially hefty Division 296 tax implications on your Australian Self-Managed Super Fund? Consider transferring to a KiwiSaver Scheme in New Zealand. This is currently one of the only avenues for shifting your Australian Super out of Australia and has some possible flow-on benefits.
This pathway offers investment freedom, portfolio diversification, and potentially much friendlier tax arrangements than what are being proposed in Australia.
While the process requires careful execution and attention to detail, it presents a unique opportunity for Australians concerned about regulatory changes to reposition their retirement savings in a more favourable framework.
Looking to escape potentially hefty Division 296 tax implications on your Australian Self-Managed Super Fund? Consider transferring to a KiwiSaver Scheme in New Zealand. This is currently one of the only avenues for shifting your Australian Super out of Australia and has some possible flow-on benefits.
This pathway offers investment freedom, portfolio diversification, and potentially much friendlier tax arrangements than what are being proposed in Australia.
While the process requires careful execution and attention to detail, it presents a unique opportunity for Australians concerned about regulatory changes to reposition their retirement savings in a more favourable framework.
Looking to escape potentially hefty Division 296 tax implications on your Australian Self-Managed Super Fund? Consider transferring to a KiwiSaver Scheme in New Zealand. This is currently one of the only avenues for shifting your Australian Super out of Australia and has some possible flow-on benefits.
This pathway offers investment freedom, portfolio diversification, and potentially much friendlier tax arrangements than what are being proposed in Australia.
While the process requires careful execution and attention to detail, it presents a unique opportunity for Australians concerned about regulatory changes to reposition their retirement savings in a more favourable framework.
Investment Freedom
Access to investment options that may be restricted, tough to access, or soon subject to usurious tax in Australian Super.
Access to investment options that may be restricted, tough to access, or soon subject to usurious tax in Australian Super.
Access to investment options that may be restricted, tough to access, or soon subject to usurious tax in Australian Super.
Expert Knowledge
We understand KiwiSaver in granular detail and work with the providers that are setting the bar for excellence. If it can be done in KiwiSaver, then we can help you do it.
We understand KiwiSaver in granular detail and work with the providers that are setting the bar for excellence. If it can be done in KiwiSaver, then we can help you do it.
We understand KiwiSaver in granular detail and work with the providers that are setting the bar for excellence. If it can be done in KiwiSaver, then we can help you do it.
Future Mobility
Positioning for potential future relocations, taking advantage of no indexation and achieving peace of mind.
Positioning for potential future relocations, taking advantage of no indexation and achieving peace of mind.
Positioning for potential future relocations, taking advantage of no indexation and achieving peace of mind.
Access Bitcoin ETF, Bitcoin Treasury Companies & More
We understand the demand, we understand how you think, and we can help make the allocation happen. No shoehorning of 'model' portfolios here.
We understand the demand, we understand how you think, and we can help make the allocation happen. No shoehorning of 'model' portfolios here.
Options include Bitcoin ETF and treasury company routes: ARKB, BITB, IBIT, FBTC, HODL, MSTR, 3350.JP, ALTBG, SMLR, 434.HK, MARA, CLSK.
We understand the demand, we understand how you think, and we can help make the allocation happen. No shoehorning of 'model' portfolios here.
We understand the demand, we understand how you think, and we can help make the allocation happen. No shoehorning of 'model' portfolios here.
The Opportunity
Transfer your Australian Super to a New Zealand Kiwisaver Scheme
Looking to escape potentially hefty Division 296 tax implications on your Australian Self-Managed Super Fund? Consider transferring to a KiwiSaver Scheme in New Zealand. This is currently one of the only avenues for shifting your Australian Super out of Australia and has some possible flow-on benefits.
This pathway offers investment freedom, portfolio diversification, and potentially much friendlier tax arrangements than what are being proposed in Australia.
While the process requires careful execution and attention to detail, it presents a unique opportunity for Australians concerned about regulatory changes to reposition their retirement savings in a more favourable framework.
Investment Freedom
We provide full detail on what we would earn from your decision to work with us from all options we have available to you before you commit to becoming a client.
Expert Knowledge
We provide full detail on what we would earn from your decision to work with us from all options we have available to you before you commit to becoming a client.
Future Mobility
We provide full detail on what we would earn from your decision to work with us from all options we have available to you before you commit to becoming a client.
Access Bitcoin ETF, Bitcoin Treasury Companies & More
We provide full detail on what we would earn from your decision to work with us from all options we have available to you before you commit to becoming a client.
What you need to know
How it works
Eligbility
Australian citizens planning to permanently relocate to New Zealand who want to transfer their Super fund and explore potential tax benefits.
Individuals with existing KiwiSaver accounts who are moving or have already relocated permanently to New Zealand.
Those who have received tax advice or understand the implications involved.
Australian citizens planning to permanently relocate to New Zealand who want to transfer their Super fund and explore potential tax benefits.
Individuals with existing KiwiSaver accounts who are moving or have already relocated permanently to New Zealand.
Those who have received tax advice or understand the implications involved.
Australian citizens planning to permanently relocate to New Zealand who want to transfer their Super fund and explore potential tax benefits.
Individuals with existing KiwiSaver accounts who are moving or have already relocated permanently to New Zealand.
Those who have received tax advice or understand the implications involved.
What We Handle
Helping open your KiwiSaver account.
Assisting with documentation for porting into KiwiSaver from your Standard Australian Super provider.
Identifying Australian Super providers with more user-friendly exit processes.
Advising on KiwiSaver asset allocation and executing investments.
Providing ongoing reviews and advice once you’re in New Zealand.
Referring you to other professionals as needed.
Helping open your KiwiSaver account.
Assisting with documentation for porting into KiwiSaver from your Standard Australian Super provider.
Identifying Australian Super providers with more user-friendly exit processes.
Advising on KiwiSaver asset allocation and executing investments.
Providing ongoing reviews and advice once you’re in New Zealand.
Referring you to other professionals as needed.
Helping open your KiwiSaver account.
Assisting with documentation for porting into KiwiSaver from your Standard Australian Super provider.
Identifying Australian Super providers with more user-friendly exit processes.
Advising on KiwiSaver asset allocation and executing investments.
Providing ongoing reviews and advice once you’re in New Zealand.
Referring you to other professionals as needed.
Your Role
Seek your own Australian tax, legal, and financial advice (note: we are not Australian Financial Advisers).
Coordinating with your SMSF professionals for tax and other advice, including exiting to a Standard Australian Super provider.
Managing your relocation to New Zealand.
Seek your own Australian tax, legal, and financial advice (note: we are not Australian Financial Advisers).
Coordinating with your SMSF professionals for tax and other advice, including exiting to a Standard Australian Super provider.
Managing your relocation to New Zealand.
Seek your own Australian tax, legal, and financial advice (note: we are not Australian Financial Advisers).
Coordinating with your SMSF professionals for tax and other advice, including exiting to a Standard Australian Super provider.
Managing your relocation to New Zealand.
Basic Process
You obtain tax, legal, and financial advice.
Close your SMSF and join a Standard Australian Super provider (we can recommend providers with smoother transfer processes).
Begin the advice process with us.
Relocate to New Zealand.
Complete the advice process with us.
Open your KiwiSaver account.
Submit transfer forms to your Standard Australian Super provider.
Wait for funds to arrive and invest.
You obtain tax, legal, and financial advice.
Close your SMSF and join a Standard Australian Super provider (we can recommend providers with smoother transfer processes).
Begin the advice process with us.
Relocate to New Zealand.
Complete the advice process with us.
Open your KiwiSaver account.
Submit transfer forms to your Standard Australian Super provider.
Wait for funds to arrive and invest.
You obtain tax, legal, and financial advice.
Close your SMSF and join a Standard Australian Super provider (we can recommend providers with smoother transfer processes).
Begin the advice process with us.
Relocate to New Zealand.
Complete the advice process with us.
Open your KiwiSaver account.
Submit transfer forms to your Standard Australian Super provider.
Wait for funds to arrive and invest.
What you need to know
How it works
Eligbility
Australian citizens planning to permanently relocate to New Zealand who want to transfer their Super fund and explore potential tax benefits.
Individuals with existing KiwiSaver accounts who are moving or have already relocated permanently to New Zealand.
Those who have received tax advice or understand the implications involved.
What We Handle
Helping open your KiwiSaver account.
Assisting with documentation for porting into KiwiSaver from your Standard Australian Super provider.
Identifying Australian Super providers with more user-friendly exit processes.
Advising on KiwiSaver asset allocation and executing investments.
Providing ongoing reviews and advice once you’re in New Zealand.
Referring you to other professionals as needed.
Your Role
Seek your own Australian tax, legal, and financial advice (note: we are not Australian Financial Advisers).
Coordinating with your SMSF professionals for tax and other advice, including exiting to a Standard Australian Super provider.
Managing your relocation to New Zealand.
Basic Process
You obtain tax, legal, and financial advice.
Close your SMSF and join a Standard Australian Super provider (we can recommend providers with smoother transfer processes).
Begin the advice process with us.
Relocate to New Zealand.
Complete the advice process with us.
Open your KiwiSaver account.
Submit transfer forms to your Standard Australian Super provider.
Wait for funds to arrive and invest.
Frequently Asked Questions
FAQ
Moving your Super to New Zealand KiwiSaver can be a complex process.
You’ll need Australian tax advice, but here are some key things to know.
Can I transfer my Australian superannuation to my KiwiSaver?
Yes, under the Trans-Tasman retirement savings portability scheme, you can transfer your Australian super to a complying KiwiSaver scheme provided the Australian Super Scheme is willing and able to transfer out — but there are specific rules and conditions to consider.
Yes, under the Trans-Tasman retirement savings portability scheme, you can transfer your Australian super to a complying KiwiSaver scheme provided the Australian Super Scheme is willing and able to transfer out — but there are specific rules and conditions to consider.
What are the main things to consider before transferring?
It’s important to understand tax implications, currency exchange, timing, and the impact on your retirement strategy. We recommend speaking to both New Zealand and Australian tax advisers before making a decision.
It’s important to understand tax implications, currency exchange, timing, and the impact on your retirement strategy. We recommend speaking to both New Zealand and Australian tax advisers before making a decision.
It’s important to understand tax implications, currency exchange, timing, and the impact on your retirement strategy. We recommend speaking to both New Zealand and Australian tax advisers before making a decision.
It’s important to understand tax implications, currency exchange, timing, and the impact on your retirement strategy. We recommend speaking to both New Zealand and Australian tax advisers before making a decision.
Are there any super funds that can't be transferred?
Many Australian Super Funds allow transfers to KiwiSaver, however not all do. Some also require physical paper forms to be mailed to process it! We've dived into the detail to find which have a more user-friendly exit process.
Many Australian Super Funds allow transfers to KiwiSaver, however not all do. Some also require physical paper forms to be mailed to process it! We've dived into the detail to find which have a more user-friendly exit process.
Many Australian Super Funds allow transfers to KiwiSaver, however not all do. Some also require physical paper forms to be mailed to process it! We've dived into the detail to find which have a more user-friendly exit process.
Many Australian Super Funds allow transfers to KiwiSaver, however not all do. Some also require physical paper forms to be mailed to process it! We've dived into the detail to find which have a more user-friendly exit process.
Will I be taxed on the transfer?
Transfers under the Trans-Tasman scheme are generally tax-free, but there may still be tax considerations depending on your situation — especially if you're not a tax resident of New Zealand or Australia. Usually the closing of an SMSF has tax implications
Transfers under the Trans-Tasman scheme are generally tax-free, but there may still be tax considerations depending on your situation — especially if you're not a tax resident of New Zealand or Australia. Usually the closing of an SMSF has tax implications
Transfers under the Trans-Tasman scheme are generally tax-free, but there may still be tax considerations depending on your situation — especially if you're not a tax resident of New Zealand or Australia. Usually the closing of an SMSF has tax implications
Transfers under the Trans-Tasman scheme are generally tax-free, but there may still be tax considerations depending on your situation — especially if you're not a tax resident of New Zealand or Australia. Usually the closing of an SMSF has tax implications
I'm in a Self-managed Super Fund. What's the story there?
For those in an SMSF, they must first switch into a Standard Australian Super Fund before being able to port across to KiwiSaver. This is a detailed process and usually best done before you leave Australia to simplify matters.
For those in an SMSF, they must first switch into a Standard Australian Super Fund before being able to port across to KiwiSaver. This is a detailed process and usually best done before you leave Australia to simplify matters.
For those in an SMSF, they must first switch into a Standard Australian Super Fund before being able to port across to KiwiSaver. This is a detailed process and usually best done before you leave Australia to simplify matters.
For those in an SMSF, they must first switch into a Standard Australian Super Fund before being able to port across to KiwiSaver. This is a detailed process and usually best done before you leave Australia to simplify matters.
How long does the process take?
The full process may take up to four months, depending on your motivation, the responsiveness of your SMSF contacts, your relocation speed, and your Australian Super provider’s processing time.
The full process may take up to four months, depending on your motivation, the responsiveness of your SMSF contacts, your relocation speed, and your Australian Super provider’s processing time.
The full process may take up to four months, depending on your motivation, the responsiveness of your SMSF contacts, your relocation speed, and your Australian Super provider’s processing time.
The full process may take up to four months, depending on your motivation, the responsiveness of your SMSF contacts, your relocation speed, and your Australian Super provider’s processing time.
Can I access my transferred super early in New Zealand?
No… and yes… The exact dollar amount transferred into KiwiSaver (received as NZD) from Australian super remains subject to the Australian definition of retirement. All returns on these funds though are defined as KiwiSaver contributions, and therefore subject to the KiwiSaver withdrawal rules. Currently, this means those who move overseas permanently (excluding back to Australia) are able to withdraw the entirety of their KiwiSaver balance after having been overseas for 12 months.
No… and yes… The exact dollar amount transferred into KiwiSaver (received as NZD) from Australian super remains subject to the Australian definition of retirement. All returns on these funds though are defined as KiwiSaver contributions, and therefore subject to the KiwiSaver withdrawal rules. Currently, this means those who move overseas permanently (excluding back to Australia) are able to withdraw the entirety of their KiwiSaver balance after having been overseas for 12 months.
No… and yes… The exact dollar amount transferred into KiwiSaver (received as NZD) from Australian super remains subject to the Australian definition of retirement. All returns on these funds though are defined as KiwiSaver contributions, and therefore subject to the KiwiSaver withdrawal rules. Currently, this means those who move overseas permanently (excluding back to Australia) are able to withdraw the entirety of their KiwiSaver balance after having been overseas for 12 months.
No… and yes… The exact dollar amount transferred into KiwiSaver (received as NZD) from Australian super remains subject to the Australian definition of retirement. All returns on these funds though are defined as KiwiSaver contributions, and therefore subject to the KiwiSaver withdrawal rules. Currently, this means those who move overseas permanently (excluding back to Australia) are able to withdraw the entirety of their KiwiSaver balance after having been overseas for 12 months.
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Before deciding to work with us, most people want to understand who they’re working with and how we might specifically be able to help. Similarly, we want to get to know you and understand what you’re looking for.
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© Copyright 2025, All Rights Reserved.
Level 8/95 Customhouse Quay,
Wellington 6011, New Zealand.
© Copyright 2025, All Rights Reserved.
Level 8/95 Customhouse Quay,
Wellington 6011, New Zealand.
© Copyright 2025, All Rights Reserved.
Level 8/95 Customhouse Quay,
Wellington 6011, New Zealand.
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© Copyright 2025, All Rights Reserved.
Level 8/95 Customhouse Quay,
Wellington 6011, New Zealand.