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Here's what you need to do:

1. Read the Investment Statement (858Kb)

This outlines the terms and conditions and tells you what funds there are to choose from.

2. Complete the risk profiler

on pages 19 - 20 of the Investment Statement - this provides a guide to the fund best suited to you.

3. Complete the application form

on pages 21 - 22 of the Investment Statement, and post it to the address on the top of the form.

• If you are an employee earning salary wages, list which employer(s) you want to deduct contributions from your pay - if you don't specify your employer(s), Inland Revenue will identify all employers who've paid you salary or wages in the last two months and ask them to start deducting contributions from your pay.

• If you're not an employee earning salary or wages, you can specify a rate to contribute. Fill out the direct debit form if wish to make regular contributions from your bank account. If you later start a job paying salary or wages, contributions will be deducted from your salary or wages.

4. If you are an employee, complete the IRD KiwiSaver deduction form KS2

Then give the completed form to your employer. The form can also be found in the back of the IRD Employee Information Pack (KS3), which you can get off your employer. (Note: You do not need to complete this form if you have completed the application form. However by doing so will help prevent any delay in your employer receiving notification from IRD.)