Tātaitai Utu KiwiSaver

Ka rerekē nui ngā utu whakahaere KiwiSaver i ngā kaiwhakarato me ngā momo pūtea. Ko te nuinga o ngā pūtea whakahaere a-mahi ka utu i waenga i te 0.8% me te 1.5% ia tau o to toenga pūtea, a ko ngā pūtea a-kaupeka, a-taura rānei ka iti rawa ki te 0.20%–0.35%. Ko Simplicity me InvestNow ētahi o ngā kaiwhakarato utu-iti rawa atu i Aotearoa, e utu ana i te 0.20%–0.31% mō ngā pūtea tipu. He tauaro, ko ētahi pūtea taunoa e hono ana ki ngā pēke ka tata ake ki te 0.85%–1.10%. I tua atu i te utu whakahaere, ko te nuinga o ngā kaiwhakarato ka utu i tētahi utu mema (whakahaere) pūmau o te $3–$5 ia wiki ahakoa te taupae. Mō te $50,000 toenga, ko te rereketanga i waenga i te 0.3% me te 1.0% ia tau ko te $350 ia tau — he moni e taupiri ana mō ngā tekau tau. Whakatauritehia tonu te utu pūtea a-tau katoa (TAFC) i runga i ia tauākī whatauākī hua pūtea i mua i to whiringa. Puna: Sorted — KiwiSaver Fund Finder (sorted.org.nz).

He panga whakakino taupiri o ngā utu ki to toenga KiwiSaver — ko ia tara e utua ana i ngā utu he tara kāore e whiwhi ana i ngā whiwhinga haumitanga. I roto i ngā tau 30, ko tētahi utu 1% a-tau mō te $50,000 toenga ka utu tata ki te $70,000 i ngā whiwhinga ngaro (e kiia ana ko te 7% tipu tomua). He tauaro, ka taea te penapena i te $50,000 ki te huri ki tētahi pūtea utu 0.3% mō te wā orite. Ko te panga nui rawa atu ki ngā mema rangatahi e roa ana o rātou ara haumitanga. Kua tohu a te Mana Makete Pūtea o Aotearoa (FMA) ko te kukume utu tētahi tāke nui, e ki ana ko tētahi rereketanga utu 0.5% ka taea te whakaiti i te toenga mutunga 10–15% i roto i tētahi oranga mahi katoa. I mua i te huri kaiwhakarato, tirohia menā ko tō pūtea o nāianei he tino hua whai muri i ngā utu — ka taea pea tētahi pūtea tino hua e utu ana i te 1% ki te neke ake i tētahi pūtea utu-iti me ngā whiwhinga iti. Puna: FMA — KiwiSaver Annual Report (fma.govt.nz).

Ko te nuinga o ngā kaiwhakarato KiwiSaver ka utu i ngā momo utu e rua. Ko te utu whakahaere (e kiia anō ko te utu pūtea a-tau) he ōrau o to taupae katoa — hei tauira, ko te 0.5% ia tau mō te $30,000 toenga ka orite ki te $150 ia tau. Ka tipu tēnei utu i to toenga a ka tangohia aunoa mai i tō pūtea. Ko te utu mema (utu whakahaere rānei) he tapeke tara piri pūmau ka utua ahakoa to toenga — a tikanga $3 ki te $5 ia wiki, $156 ki te $260 rānei ia tau. Mō ngā mema me ngā toenga iti, ka taea e te utu mema te tu hei utu tino nui: ko te $156/tau mō te $5,000 toenga ko te 3.12% — tino nui ake i te rēti utu whakahaere i pānuitia. Kua tangohia e ētahi kaiwhakarato pērā i a Simplicity te utu mema piri pūmau, he whakataetae nui rawa atu mō ngā mema rangatahi, mō rātou rānei e timata ana. Ata rapua ngā utu e rua i te wā e whakataurite ana i ngā kaiwhakarato. Puna: Commission for Financial Capability — KiwiSaver (cffc.org.nz).

Tae atu ki te 2025, ko ngā kaiwhakarato KiwiSaver utu-iti rawa atu i Aotearoa mō ngā pūtea tipu ko Simplicity (tata ki te 0.31% utu pūtea a-tau katoa, kāore he utu mema), InvestNow Foundation Series (tata ki te 0.20%–0.34%), me SuperLife (mai i te 0.38%). He āhua iti tonu ngā pūtea ā-kaupeka āhuatanga ā-kaupeka i ō rātou hoa whakataetae ā-mahi mō ngā utu. Hei whakatairite, ka utu ngā pūtea tipu a ANZ, ASB, BNZ, me Westpac mai i te 0.85%–1.10%, tae atu ki ngā utu mema. Ka whakaputaina e te Mana Mākete Pūtea tētahi pūrongo KiwiSaver a-tau me ngā whakatairitenga utu i ngā kaiwhakarato katoa. He mea nui te mōhio, ehara te pūtea iti rawa atu i te pai rawa atu — ka taea pea e tētahi pūtea utu nui ake me ngā whiwhinga roa-wā kaha ake, whai muri i ngā utu, te whakatipu ake i tō toenga. Whakamahia te Sorted KiwiSaver fund finder (sorted.org.nz) hei whakatairite i ngā utu pūtea a-tau katoa, ngā whiwhinga rima-tau, me ngā tohu turaru taha ki taha. Puna: FMA KiwiSaver Annual Report 2024; Sorted KiwiSaver Fund Finder.