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Generate KiwiSaver


Xceda partners with Generate, our chosen KiwiSaver provider.


Generate can offer you a KiwiSaver Plan that helps you achieve your goals, whether that’s buying your first home or saving for your retirement.



By clicking the above and providing your contact details, Xceda will connect you with a Generate KiwiSaver advisor.

What are the benefits of KiwiSaver?


Choice of KiwiSaver Plan

Generate offers you a choice of six KiwiSaver funds, each with a different investment strategy and risk profile, which will produce different returns. Their Stepping Stones lifestyle investment options take the hassle out of choosing the right Generate KiwiSaver fund, as these options select a fund based on your age, and automatically adjust as you get older. 



A minimum of 3% contribution from your employer

If you’re contributing to your KiwiSaver account from salary or wages, your employer is required to put in a minimum of 3% of your Before Tax Pay on top of your normal wages.



An annual contribution from the Government 

For every $1 you put into your KiwiSaver account, the Government will add 50 cents, up to a maximum Government contribution of $521.43 per year. This KiwiSaver bonus is added to your KiwiSaver savings, every year. Find out more about the Government contribution. 



Your KiwiSaver is held in a trust 

Generate customers have peace of mind knowing that Public Trust (a crown entity) are the supervisor of Generate and your KiwiSaver savings are held by them as custodian.



First home withdrawal eligibility

Never owned a home before? When you've been a KiwiSaver member for three years, you may be eligible to withdraw funds from your KiwiSaver account to put towards your first home.


Up to $10,000 first home grant 

Plus, you may also qualify for up to $10,000 from the Government as a First Home Grant. This could be just the boost you need. Find out more.


Why Generate?


Exceptional and awarded service


Generate KiwiSaver has won a number of awards for their member service including the Consumer NZ People’s Choice Award for KiwiSaver, the Reader’s Digest Quality Service Award for Superannuation, a Trusted Brand Award for KiwiSaver and the Canstar Award for Most Satisfied Customers. 


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They are looking after


Generate members’ retirement savings 

Consistent long-term performance*

Performance Xceda_Gen


* Source: Morningstar KiwiSaver Survey December Quarter End 2023. The Generate Focused Growth Fund returns ranked 2nd out of 8 NZ Multi Sector Aggressive Category Funds, the Generate Growth Fund ranked 2nd out of 14 NZ Multi Sector Growth Category Funds and the Generate Moderate Fund ranked 1st out of 12 NZ Multi Sector Moderate Category Funds, for a period of 10 years as of 31/12/2023. © 2024 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution in New Zealand. Past performance does not guarantee future returns. Investment involves risk and returns can be negative as well as positive. 


Important Information



Generate Investment Management Limited (“Generate”) is the Issuer and Manager of the Generate KiwiSaver Scheme (the “Scheme”). Xceda is a referrer of the Scheme on behalf of Generate but is not an issuer of the Scheme. You can download a copy of the Product Disclosure Statement at:


Any investment in the Generate KiwiSaver Scheme is not a deposit or other liability of Xceda. Neither Xceda nor any other person guarantees (in part or full) interests in the Scheme (including the repayment of any capital value or the performance of any investment in the Scheme). Interests in the Scheme are subject to investment risk including possible loss of income and principal invested.


Eligibility criteria, terms and conditions and fees apply. See full details of the Scheme at the Generate website:


If you decide to invest with Generate, Xceda will receive a commission for referring you. The commission is an ongoing payment of 0.125% per annum of your account balance. This fee is paid to Xceda by Generate from the revenue they receive from the fees you pay.



By clicking the above and providing your contact details, Xceda will connect you with a Generate KiwiSaver advisor.

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Loans & General Enquiries:

  0800 11 22 74


Savings & Deposits:

  0800 11 22 75