Your preferred Superannuation
provider for the Local
Government sector

SuperEasy is the brand name for the superannuation schemes managed by Civic Financial Services. Over 60 years ago, local government councils joined forces to pool resources for services like insurance and finance – this collaboration became Civic Financial Services.

Later, Council management wanted to do more to support their staff and created the SuperEasy Local Government Superannuation Scheme – helping employees plan for a secure retirement and ensure their financial wellbeing.

In 2007, the government introduced KiwiSaver – requiring all employers to contributes to their employee’s savings (KiwiSaver) – we expanded our services by launching SuperEasy KiwiSaver, and we’ve been helping members ever since.

Our KiwiSaver scheme is fully compliant with Financial Markets Authority and adheres to the KiwiSaver Act 2006. We operate just like the big providers – but with one key difference: we’re here for you, not for profit.

If you didn’t select a KiwiSaver provider when you first enrolled, you were automatically placed into your employer’s default scheme. SuperEasy is the default KiwiSaver provider for over 90% of New Zealand councils, meaning you might already be with us by default. An active choice member is someone who has deliberately chosen their KiwiSaver provider and fund type. If you’ve joined SuperEasy, you’ve made an active choice to be with a provider designed specifically for local government employees and their whanau, offering personalized service and competitive fees – great decision!

Not sure which one you are? Check your KiwiSaver statement and make sure your provider and fund suit your goals.

Both Schemes are similar in the way they operate, the main difference being:

1. Your council employer does not have to contribute to the LGSS Scheme
2. Whanau can only join the SKSS Scheme
3. Councils may have a restriction on when employer contributions can be withdrawn from the LGSS Scheme (for example, if employed at Dunedin City Council, you can only access the employer contributions after being there for 3 years)
4. You can access your funds from LGSS before you reach 65, if you choose to change employers

When you contribute to KiwiSaver, your money is combined with funds from other KiwiSaver investors and is invested by professional fund managers. These investments can include government bonds, shares, cash accounts or property.

The good news is that you can choose the level of risk you take. Some funds are riskier with possible high rewards; some are more conservative with less risk and possibly less reward.

We offer five different funds, so you can choose the one that best suits you. Learn more here.