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Retirement Age in New Zealand: What You Need to Know

Retirement is a personal milestone, shaped by your lifestyle, individual goals, and circumstances. If you’re planning your next chapter, it’s important to understand the retirement landscape in New Zealand, including when people typically retire, what the law says, and how New Zealand Superannuation fits in.

At The Botanic Silverdale, the Hibiscus Coast’s premier luxury retirement village, we’re committed to helping you navigate this transition with confidence and clarity.

In this article, we explore the current retirement age trends in New Zealand and the key factors influencing when and how people choose to retire.

Want a broader overview? Check out our recent post Understanding Retirement in New Zealandfor more on planning, lifestyle, and what to expect in this exciting stage of life.

Residents at The Botanic enjoying luxury retirement living
Luxury retirement living at The Botanic Silverdale

Current Retirement Age in New Zealand and Trends

No Legal Retirement Age

Many people assume retirement is mandatory at 65, but in New Zealand, there’s no legal retirement age. While 65 is often seen as the ‘retirement age’ because it marks eligibility for New Zealand Superannuation (NZ Super), there’s no requirement to stop working. In fact, unless a role has specific age-related requirements, employers generally can’t force retirement.

Retirement Patterns and Workforce Participation

Traditionally, many New Zealanders have chosen to retire around 65, aligning with NZ Super eligibility, but that pattern is shifting. According to the Retirement Commission, around 27% of people aged 65 and over now continue to work for pay – and the number is growing.

Workforce participation among older adults has nearly doubled in recent decades. As of 2013, a third of people aged 65 to 74 were still employed, and this trend is expected to continue as more Kiwis enjoy longer, healthier lives, and choose to remain active – socially, mentally, and financially.

Demographic Shifts

New Zealand’s population is ageing rapidly. In 2006, 12.3% of the population was aged 65 or older. By 2018, that number had increased to 15.2% and it’s projected to rise up to 26% by 2048. These demographic changes are reshaping how – and when – people choose to retire, prompting more thoughtful planning around how retirement is lived, not just when it begins.

Residents at The Botanic maintain a healthy and active lifestyle
Stay well and active at The Botanic
Organised classes are just part of the offering at The Botanic
Resident-led wellness in our 20m lap pool

Factors Influencing Retirement Age

Retirement decisions are rarely based on age alone. Several key factors play a role:

  • Health: Good health enables many to work beyond 65, while some people experience health challenges that may prompt earlier retirement. Studies consistently show that both physical and mental health are major determinants of when people exit the workforce. For example, men in good health at 65 have a 70% probability of remaining in the labour force.
  • Finances: Financial security is a significant factor. Some continue working to boost their retirement savings, while others retire as soon as they feel their finances are sufficient. Access to NZ Super at 65 provides a safety net, but many supplement this with KiwiSaver, investments, or part-time work.
  • Lifestyle Goals: Many retire to pursue travel, hobbies, volunteering, or family commitments. Others transition gradually, reducing work hours or shifting to less demanding roles.
  • Family Responsibilities: Caring for a partner, grandchildren, or other relatives can also influence the timing of retirement.
  • Workplace Factors: Job satisfaction, workplace culture, and opportunities for flexible or part-time work may encourage people to stay at work or in employment for longer.

Eligibility for NZ Superannuation

NZ Superannuation is the government’s pension scheme, providing a regular income to eligible New Zealanders from the age of 65. Here’s what you need to know:

  • Eligibility Age: 65 years (as of May 2025).
  • Residency Requirements: You must be a New Zealand citizen or permanent resident, ordinarily resident in New Zealand, and have lived in the country for at least 10 years since age 20 (including five years since age 50).
  • No Means Test: NZ Super is not means-tested, so you can receive it regardless of your other income, though your tax code may change if you keep working.
  • Payment Frequency: NZSuper is paid fortnightly, with the amount depending on your living situation and tax code.

Read more: NZ Superannuation and Eligibility: What it Means for Residents at The Botanic

For the most up-to-date details, visit the Work and Income NZ Superannuation page or the Employment New Zealand retirement guide.

Kathryn is our Sales Consultant and Administrator.
Kathryn, our Sales Consultant, discussing our new Rimu apartments
Michelle is The Botanic’s highly experienced Sales Manager

How The Botanic Supports a Smooth Transition into Retirement Living

Moving into retirement is about more than just stopping work – it’s about embracing a new lifestyle and an exciting new chapter in life. At The Botanic, we understand that this transition may feel daunting, which is why we offer comprehensive support every step of the way.

  • Personalised Relocation Support: Our experienced team works closely with each new resident to create a tailored relocation plan, offering advice on downsizing, moving logistics, and home setup.
  • Partnered Moving Services: We collaborate with moving professionals who specialise in senior relocations, ensuring your belongings are handled and relocated with care.
  • Home Personalisation: From furniture placement to accessibility features, we help make your new villa or apartment truly feel like home.
  • Emotional and Social Integration: Resident mentors, welcome events, and a vibrant community spirit help you settle in and build connections from day one.
  • Ongoing Support: Our team and resident community are always available to answer questions and offer help, ensuring you feel safe, supported, and at home.

Residents often tell us that the care and support they receive at The Botanic make their move not only seamless but truly uplifting – a fresh chapter, surrounded by good company, peace of mind, and a renewed sense of purpose.

Frequently Asked Questions

Is there a legal retirement age in New Zealand?

No, there is no legal retirement age in NZ. Most people retire around 65, but you can choose to retire earlier or later depending on your circumstances.

When can I start receiving NZ Superannuation?

You become eligible for NZ Super at age 65, provided you meet the residency requirements. You can apply up to 12 weeks before your 65th birthday.

Can I keep working and still receive NZ Super?

Yes, you can continue to work and receive NZ Super. Your payments are not reduced by your earnings, but your tax code may change depending on your total income.

What support does The Botanic offer for new residents?

The Botanic provides personalised relocation consultations, moving services, home personalisation, and ongoing social and emotional support to ensure a seamless transition into retirement living.

Conclusion

Retirement in New Zealand offers flexibility, security, and choice. Whether you retire at 65 or continue working, understanding the NZ retirement age, legal requirements, and eligibility for NZ Super is vital for planning your next steps. At The Botanic, we’re here to support you – every step of the way.

Ready to explore your options? Contact The Botanic and discover how luxury retirement living in Silverdale can help you embrace a life less ordinary.

Published 9 June 2025

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What Types of Accommodation Are Available at The Botanic?

The Botanic Silverdale offers the very best in aged-care living with modern apartments and luxury villas designed for active retirees living independent and purposeful lives. Our residents can choose from spacious, light-filled homes with modern finishes, top-end amenities, and easy access to the vibrant Botanic community and facilities.  Our homes cater to independent living and can also be adapted for increased support needs in the future, ensuring true peace of mind. So, whether you are just starting to think about retirement and where you might see yourself, or perhaps you are looking for the perfect luxury retirement village for a relative or loved one, we’re here to guide you through the accommodation options available at The Botanic. What Sets The Botanic’s Villas Apart? Our garden villas at The Botanic The villas at The Botanic combine contemporary design, generous proportions, and superior comfort for those who prefer standalone, low-maintenance living with easily accessible indoor-outdoor spaces. Key Villa Features: Modern open-plan living: Generous lounges, designer kitchens with engineered benchtops, and high-spec fittings form the villa core. Luxury bathrooms: Fully tiled en-suites with underfloor heating and elegant walk-through wardrobes are standard. Indoor-outdoor flow: Raked ceilings, floor-to-ceiling glass, and substantial patios or balconies connect seamlessly to gardens and greenways. Premium appliances: Fisher & Paykel appliances, heat pump air conditioning, and abundant storage. Security and convenience: Secure keyless entry, internal-access garaging, and the MY LUMIN communications/duress call system provide safety and ease. Year-round comfort: Latest insulation ensures the villas are always comfortable. Internal-access garages, private patios, and immediate access to boardwalks and gardens round out the villa experience, ideal for residents seeking elegant privacy with all the perks of village life. Browse current villa listings at The Botanic. What Makes The Botanic’s Apartments Special? The Rimu Apartments at The Botanic Apartments provide thoughtfully crafted, maintenance-free living, perfect for those who value a central location, lock-up-and-leave convenience, and sweeping views over the landscaped village or Silverdale beyond. Key Apartment Features: Spacious, light-filled layouts: Floor-to-ceiling windows, high ceilings, and generous open-plan living spaces. Designer kitchens and finishes: Quality appliances, engineered benchtops, and stylish materials throughout. Balconies and patios: Each apartment includes a large private balcony or patio, ideal for relaxing or entertaining. Safety and technology: Secure entry, underground parking, wireless connectivity, and MY LUMIN 24/7 duress call support. Accessible design: Some apartments are fully accessible, with widened entrances, practical layouts, and adaptations for ease of use. Apartments range from one to three bedrooms, catering both to solo retirees and couples who want extra space for guests, hobbies, or a home office. Browse available apartments at The Botanic. Can I Experience a 3D Walkthrough of Villa or Apartment Designs? Yes, prospective residents are encouraged to explore 3D walkthroughs for both villas and apartments to help visualise layouts, finishes, and the living experience at The Botanic. You can view the 3D walkthrough videos for our villas and apartments on our Homes page; however, for the full experience, organise a personalised tour of our homes with one of our helpful sales team – Michelle or Kathryn – who will be more than happy to show you around. How Are The Homes Designed to Support Lifestyle and Wellbeing? All homes at The Botanic are built to support independent, purposeful living with options to increase support as care needs change over time. MY LUMIN platform: Enables instant communication with on-site staff, community engagement, duress calls, and smart home features. Accessibility: Many units include step-free entry, large corridors, and mobility-friendly bathrooms. Direct access to world-class amenities: Gardens, pathways, and community facilities are just outside your door, fostering wellness and social connection. Energy efficiency: Excellent insulation, modern HVAC systems, and double glazing for year-round comfort and cost savings. What Accommodation Options Are Currently Available? As of July 2025, The Botanic offers a variety of move-in ready villas and apartments in different sizes, configurations, and locations within the village. Villas: 1 Sage Close is currently selling now Eastern Villas (Bronzewater Drive):Three bedrooms, large balconies, open-plan design, elevated views, luxurious finish, available from late 2025. Single-Level Villas (Sage Close):Two bedrooms with courtyard gardens, raked ceilings, walk-through wardrobes, private planters, available from late 2025. Apartments: G09 Rimu Apartments is selling now Nikau and Rimu Apartments:Two and three-bedroom options, floor-to-ceiling windows, huge patios or balconies, lock-up-and-leave living.Custom accessible units are available for residents who desire additional mobility features. See the full listings of current villa and apartment availability, prices, and descriptions directly:Available Villas | Available Apartments What Questions Should Prospective Residents Ask? 1. What is included in the standard villa or apartment? Each home includes kitchen appliances, high-quality flooring, heating, drapes, security systems, parking, and access to all village amenities. Specific finishes and extras vary by home. 2. Are the homes customisable? Many residents personalise their home’s décor and, in some cases, may be able to select finishes or request adaptations for accessibility or layout. 3. Are pets allowed? Yes! In the first instance, please seek management approval or speak to the sales team for guidelines. 4. What if my needs change after moving in? All homes can accommodate home care support, and The Botanic’s in-development continuum of care (including memory care and aged care) ensures you can stay in a familiar community as needs change. 5. How can I view or tour these homes? Arrange a private tour with Michelle or Kathryn from the sales team, or use the detailed 3D virtual walkthroughs available on our Homes page for a realistic online preview. Why Choose The Botanic for Your Next Home? The Botanic’s villas and apartments deliver the gold standard in luxury, security, and independence, set amidst spectacular gardens and a vibrant, supportive community. This is an aspirational lifestyle, thoughtfully designed to adapt to you. For personal consultations, 3D virtual tours, or to learn more about available homes, contact the team at The Botanic. Start your next chapter in a place where our residents are living a life less ordinary. Contact us: https://thebotanic.co.nz/contact-us-2/ All property listings are correct as of 31 July 2025.
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Life at The Botanic: Redefining Luxury Retirement Living in Silverdale

Retirement isn’t the end of the road; it’s the start of something new! At The Botanic in Silverdale, we see this stage of life as a time to do more of what you love, surrounded by people who share your outlook. Whether it’s connecting with neighbours, exploring new interests, or simply enjoying a slower pace, life at The Botanic is about finding joy in the everyday. With beautiful surroundings, thoughtful amenities, and a warm, welcoming community, this is a place where you can truly feel at home. A Community That Feels Like Home The community gardens at The Botanic are just one of the places our residents love to socialise Life at The Botanic is all about feeling connected – to your neighbours, your surroundings, and your sense of self. Picture strolling through the village and being greeted with a wave or a friendly chat – the kind of place where it’s easy to strike up a conversation and even easier to make a new friend. Whether you’re someone who loves a full social calendar or prefers the quiet comfort of familiar faces, you’ll find your rhythm here. From day one, you’re part of a community that values inclusion, respects individuality, and supports each other. With resident-led groups, relaxed get-togethers, and regular social events, there are plenty of ways to settle in, get involved, or simply enjoy things at your own pace. Enjoy Everyday Comforts, Designed Just for You What makes life at The Botanic truly special isn’t just the beautiful setting among lush gardens; it’s the thoughtful touches that make each day feel a little easier, a little brighter, and a lot more enjoyable. Our village has been designed with your wellbeing, comfort, and sense of fun in mind, offering a range of world-class amenities that feel more like everyday luxuries. Here’s just a taste of what life here includes: The Clubhouse Café – A favourite spot to catch up with neighbours over barista coffee, enjoy a chef-prepared lunch, or just relax and soak in the village atmosphere. Poolhouse and Gym – Stay active your way, whether that’s a swim in the heated indoor pool or a light workout in the gym. Bowling Green – Whether you’re in it for a friendly competition or just a laugh with friends, it’s always a good time on the green. Community Gardens – Spend time outdoors, tend to a few plants, or simply enjoy the peace of our shared garden spaces. Resident-Led Clubs and Activities – From book clubs to creative workshops, there’s always something to get involved in – or even start up yourself. It’s all here, ready when you are, so you can shape your days just the way you like. Exciting New Amenities on the Way At The Botanic, we’re always looking ahead, and there’s plenty to look forward to. We’re committed to growing alongside our community, with new spaces and experiences designed to bring even more enjoyment to your day. Thanks to resident feedback and thoughtful planning, here’s a sneak peek at some of the facilities on the horizon: Golf simulator Private cinema Wellness centre Dedicated activities room Croquet court and billiards room Each new feature is about adding more ways to connect, unwind, and enjoy life, your way. Stylish Homes That Feel Like You The Botanic Garden Villas The Botanic Rimu Apartments Every home at The Botanic has been designed with real living in mind – light-filled, beautifully finished, and tailored to suit your lifestyle. Whether you choose an apartment close to the action or a private villa tucked among the gardens, you’ll enjoy generous living spaces, a designer kitchen, and your own outdoor area to relax in. Our team is here to help make your home feel just right, with options to personalise your space and make the transition easy. With no maintenance to worry about and plenty of flexibility, you can settle in knowing everything has been taken care of. Keep an eye out for our upcoming post on the different types of accommodation available – we’ll walk you through floor plans, features, and what makes each home special. Make sure you check out the homes that are currently available at The Botanic. A Lifestyle That Supports Your Health and Wellbeing At The Botanic, we believe that feeling good is an important part of enjoying life to the fullest. While our Wellness Centre and on-site healthcare services are part of our exciting future plans, you’ll already find yourself well placed when it comes to looking after your health. We’re located close to a wide range of essential services – including medical centres, dentists, x-ray facilities, and more – all just a short walk or drive away. In the meantime, our community offers a variety of wellbeing activities designed to help you stay active, balanced, and connected: Aquacise and strength & balance classes Armchair yoga and tai chi Gentle yoga and guided meditation Relaxed group walks and social fitness It’s all about supporting your health in a way that suits your lifestyle – with the freedom to join in as much or as little as you like. A Social Life That’s as Full as You Want It to Be There’s always something happening at The Botanic. Whether you’re keen to get involved or simply want the option when the mood strikes, our community thrives on shared interests, meaningful connections, and plenty of good times. Here are just a few of the ways you can get involved: Join a resident committee, help shape village life, or even start a new club of your own Get involved in choosing guest speakers or arranging community events Head out as groups to the local Hibiscus Coast beaches, farmers’ markets, galleries, or golf courses, all accessible from Silverdale with easy access to SH1 or to the extensive bus network from Hibiscus Coast Station. The best part? Life here is resident-led. That means you can help create the experiences that matter most to you, and your voice is always heard. You live the life you choose. A Place to Grow, Explore, and Enjoy Our Sales Manager, Michelle, can walk you through the village Retirement at The Botanic isn’t about slowing down; it’s about doing more of what you love, discovering new interests, and enjoying the freedom to live life your way. With supportive neighbours, beautiful surroundings, and plenty of opportunities to get involved, this is a community where you can truly thrive – physically, mentally, socially, and emotionally. As Michelle, our Sales Manager, puts it: “Every resident brings something unique to our village. Here, they find the freedom to pursue their passions and the encouragement to try something new, whether that’s painting, yoga, volunteering, or simply enjoying a peaceful walk through our gardens with friends.” Begin Your Journey at The Botanic Life at The Botanic is about more than just a place to live; it’s about finding a community that feels right. With beautifully designed homes, welcoming neighbours, and a lifestyle full of possibilities, this is where your next chapter can truly begin. Here’s what you can look forward to: A range of accommodation options to suit your lifestyle A vibrant calendar of social events and wellbeing activities Evolving facilities shaped by the interests of our residents A friendly, inclusive environment where you’re free to be yourself Wondering what daily life here really feels like? Kathryn, our Sales Consultant, shares:“The greatest compliment we receive is when residents tell us they wish they’d made the move sooner. Here, life feels richer, connections are deeper, and every day brings something to look forward to.” What Our Residents Say Residents often highlight the sense of belonging they feel at The Botanic. Helen shares how she enjoys the luxury to do what she wants to do, “I am part of a women’s lunch group who lunch once a month. I do strength and balance, tai chi classes and meet up with friends from the village all the time. I am so busy!” Helen loves the sense of community at The Botanic, describing it as “friendly, welcoming, and helpful. My neighbours are especially wonderful and help me without hesitation.” Read more from Helen in our Meet the Residents feature. Residents Bets and Bob have embraced life at The Botanic Bets and Bob have also quickly adapted to life at The Botanic, saying how much they love, “The location, making new friends, living life with amazing people, and the ‘time freedom’ we now have.” They also love the community at The Botanic, describing it as “friendly, vibrant, young at heart and diverse, and everyone is striving to live a ‘life less ordinary’.” Read more from Bets and Bob in our Meet the Residents feature. Kaye and Tony have also embraced life since making the move to The Botanic from Torbay. When talking about the things they love the most about The Botanic, Kaye says, “The people! We have made some wonderful new friends and love spending time with them. There are a lot of very impromptu meals and wines together in our homes or The Clubhouse Café!” Tony goes on to say, “The best people live here. If you’re retired, come and live in this fabulous village and really enjoy life.” Read more from Kaye and Tony in our Meet the Residents feature. Their stories, along with those of many of our residents, reflect how The Botanic transforms retirement into an enriching experience. Ready to Live Life at The Botanic? If you’re considering your next move, we’d love to welcome you for a tour, a chat, or a coffee at our Clubhouse Café. Our team, including Michelle and Kathryn, are always here to answer questions and guide you through the options that best suit your aspirations. Start your next chapter with confidence, joy, and a community that truly feels like home. Welcome to The Botanic - where luxury retirement living exceeds every expectation. Coming Soon:Stay tuned for in-depth posts on the types of accommodation available, our thriving social scene, premium wellness facilities, and the many future amenities poised to make life even more extraordinary at The Botanic.
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Winter Open Weekend: Saturday 19th and Sunday 20th July 2025

Would you like to find out more about luxury retirement living on the beautiful Hibiscus Coast? Mark your calendars for The Botanic Silverdale’s Special Winter Open Weekend on Saturday, 19th July, and Sunday, 20th July, from 10am to 3pm. Come along to 17 Small Road, Silverdale and see first-hand what makes The Botanic Silverdale the Hibiscus Coast’s premier, luxury retirement village. Exclusive Access to Our Newly Completed Villas! The hard work is over, and our brand new two and three-bedroom villas are now available to view at The Botanic Silverdale – and they’re even better in person! The finishing touches are complete, and now is the perfect time to come and explore these beautifully designed luxury homes. From premium finishes to seamless access and sun-filled outlooks, every detail has been designed with lifestyle in mind, and now it’s yours to see! Step inside our new, single-level duplex villas, and you’ll find stylish, light-filled interiors with generous storage and a layout that makes everyday living easy. Each home includes an internally accessed carpark and enjoys easy access to all the village’s luxury amenities. Life at The Botanic, Silverdale Life at The Botanic is about so much more than living in a beautiful retirement home on the Hibiscus Coast. It’s about being part of a vibrant and connected community with luxury amenities right on your doorstep - from The Clubhouse Cafe to the wellness centre, pool, and Community Gardens - this is resort-style retirement living at its very best. What Can You Expect at the Open Weekend? 1. Tour Our Stunning New Two and Three-Bedroom Villas Meet our fabulous sales team, Michelle and Kathryn in the Show Home as they guide you through our luxury, light-filled retirement homes with high-spec finishing, fabulous indoor-outdoor flow, and the very best in modern retirement living. 2. Learn About Life at The Botanic Meet some of our Residents and hear their stories about retiring, village life, and how they contribute to our vibrant community. Whether it’s walking through The Botanic’s landscaped pathways, admiring the Community Gardens, or finding out more about The Botanic’s resident-led social activities, you’ll gain a true sense of what life is like here at The Botanic. 3. Explore World-Class Amenities You are free to walk through our village, or we can drive you in one of our golf carts. While here, be sure to check out our Wellness Centre, which includes a 20m lap pool, spa, sauna, steam room, and a fully equipped gym. And if you’re feeling peckish, make sure you visit The Clubhouse Café and grab a coffee and a sweet treat on us! 4. Discover Resort-Style Living The Botanic offers amenities that redefine retirement living, and as one of our recent blog posts highlights, The Botanic “is a modern retirement village that is rich in connection and community, supporting like-minded residents to live the retirement they choose in a vibrant, nature-rich environment”. Why Visit The Botanic? Situated on Auckland’s beautiful Hibiscus Coast, The Botanic offers people more than just a place to live—it provides a lifestyle which is rich in connection, wellness, purpose, and joy. It really is the ‘best-in-class’ in modern retirement living, supporting Residents to live well, naturally, in their golden years. Plan Your Visit When: Saturday 19th and Sunday 20th July 2025 Time: 10am-3pm Where: The Botanic Silverdale, 17 Small Road, Silverdale For more information, contact Michelle or Kathryn on 0508 268 264 or fill out a contact form, and we’ll get in touch with you. Come and see why more than 170 retirees now call The Botanic home. We can’t wait to welcome you! If you’re still not sure whether retirement living is for you, make sure you check out some of our recent posts, which are here to help guide you through the retirement process: https://thebotanic.co.nz/news/understanding-retirement-in-new-zealand-a-comprehensive-guide/ https://thebotanic.co.nz/news/the-right-time-to-make-the-move/ https://thebotanic.co.nz/news/the-botanic-a-premier-retirement-community/ https://thebotanic.co.nz/news/making-the-move-to-the-botanic/ https://thebotanic.co.nz/news/an-introduction-to-the-botanic-silverdale/ https://thebotanic.co.nz/news/how-to-embrace-your-retirement-years/
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