As a self-employed agent there is no employer making KiwiSaver contributions for you. But contributing yourself still earns the annual government contribution, and it builds the retirement most agents never get around to.
Why it still pays
- Contribute enough each year to capture the government contribution
- Build a habit that survives lumpy income
- Keep retirement saving separate from business cash
Treat it like any other set-and-forget — a small regular contribution beats a big intention.
We will flag the contribution level that captures the government top-up each year.