 There are however now at least five funds aimed specifically at these concerns, describing themselves as variously as "socially responsible", "The ethical KiwiSaver scheme for Christians", or expressly excluding "companies involved in cluster bombs, landmines, tobacco, gambling and pornography".As the main purpose of the KiwiSaver fund is for retirement savings, money can be withdrawn from the fund at the age at which the person is eligible for government superannuation, currently 65, as long as they have been a KiwiSaver member for five years.However, money can be withdrawn before retirement in a number of circumstances which are outlined in Schedule 1 (KiwiSaver scheme rules), of the KiwiSaver Act 2006.