Tātaitai KiwiSaver ki te Pūtea Wā-Whakarite

Ko te whiringa i waenga i ngā takoha tapiri KiwiSaver me tētahi tapuinga wā ka whirinaki ki o whainga, wā haumaru, me tō āhuatanga tāke. Ko te āhuatanga nui o KiwiSaver ko te tapiri kāwanatanga 50-heneti-ia-tara (ki te $260.72 ia tau), he whiwhinga 50% haumaru mō ngā $1,042.88 tuatahi e takoha ana koe ia tau — kāore he tapuinga wā ka taea te taurite. Ka homai anō e KiwiSaver i roto i tētahi pūtea tipu, ōrite rānei, ngā whiwhinga wā roa tino ake (6–8% ia tau i mua i ngā utu me te tāke) i ngā tapuinga wā (tata ki te 4.5–5.5% ia tau i te tau 2025). Heoi anō, ka mauhere ngā pūtea KiwiSaver ki tō pakeke 65 (me ētahi rohe iti), a ko tētahi tapuinga wā ka wātea i muri i tōna mutunga. Mō ngā moni ka hiahia pea koe i roto i ngā tau 3–5 e tu ake nei, he wāteatanga to tapuinga wā kāore KiwiSaver e taea. Mō ngā tiaki penihana wā roa, ko KiwiSaver — a mutu me te tapiri kāwanatanga — ko ia i te nuinga o ngā wā te whiringa pai rawa atu. Puna: Sorted — Comparing Saving Options (sorted.org.nz).

I te timatanga o te tau 2025, ka ngawari haere ngā rēti tapuinga wā o Aotearoa mai i o rātou taumata tihi o te tau 2023 whai muri i ngā tukinga OCR a te Pūtea Reehia o Aotearoa (RBNZ). Ko ngā pēke nui e tuku ana i ngā rēti tapuinga wā 12-marama i waenga i te 4.0%–5.0% ia tau, me ētahi pēke iti me ngā pūtea hohona ka tuku i ngā rēti teitei ake o te 5.0%–5.5%. Ko ngā wā poto (30–90 ra) ka tuku i te nuinga o ngā wā i te 3.5%–4.5%, a ko ngā wā roa (18–24 marama) ka tuturu ōrite, ka iti ake rānei i te rēti 12-marama i a ngā pēke e utu ana mō ngā nekeneke OCR e tūmanakohia ana a muri ake. Ka utua ngā hua mō ngā tapuinga wā i tōna mutunga, a-tau rānei, a ka tāke ki te Tāke Pupuri Kaupeka (RWT) i tō rēti papaku. Ka rerekē ngā rēti i ngā kaiwhakarato katoa, nō reira ka whaihua te rapu i ngā pae whakataurite pērā i a interest.co.nz, sorted.org.nz rānei mō ngā tukutukunga hou. Puna: interest.co.nz — Term Deposit Rates (interest.co.nz).

Ko te wāteatanga, arā, te ngāwari o te toro atu ki ō moni, tētahi o ngā rerekētanga ā-mahi nui rawa atu i waenga i a KiwiSaver me ngā tapuinga wā. Ka mauhere ngā pūtea KiwiSaver kia tae rā anō koe ki te 65, ki te pakeke taupae NZ Superannuation rānei, me ētahi rohe tango mutunga iti: te hoko i tō whare tuatahi (whai muri i ngā tau e toru o te mema), te raruraru pūtea nui, te māuiuitanga tino nui, te hauātanga rānei, te manene ake atu i Aotearoa (ko Ahitereiria he kē), te māuiuitanga mutunga rānei. Ko ngā tapuinga wā, he tauaro, he wā pūmau (a tikanga 30 rā ki ngā tau e 5) ka taea i te nuinga o ngā tūmomo te whati i mua. Ahakoa rā, ka taea e te pēke te tono utu whati, te whakaiti rānei i te rēti hua i utua. Hei painga, ka taea e koe te kōwhiri i tō wā kia hāngai ki tō wā haumaru. Nā tēnei rerekētanga wāteatanga, kāore a KiwiSaver e tika mō ngā pūtea ohorere, mō ngā moni rānei ka hiahia pea koe i roto i te wā poto. Puna: IRD — KiwiSaver Withdrawals (ird.govt.nz/kiwisaver); RBNZ — Term Deposits.

Mō ngā kaimahi i roto i ngā mahi utu, he āhuatanga nui tō KiwiSaver i ngā tapuinga wā: ko te takoha kaituku mahi a-tikanga o te 3% neke atu o tō utu tomua, i runga ake i to ake takoha iti rawa 3%. Ko tēnei takoha kaituku mahi he moni kore utu ka tohu aunoa i te torunga o te whiwhinga whakahoki mō o takoha kaimahi iti rawa (i mua i te tipu haumitanga, te tapiri kāwanatanga rānei). Hei tauira, mō tētahi utu $70,000, ka takoha koe me to kaituku mahi i te $2,100 ia tau ki te rēti 3% — ko tēnei tikanga ka tipu to toenga KiwiSaver ki te $4,200 i mua i ngā whiwhinga haumitanga, te tapiri kāwanatanga rānei. Kāore he tapuinga wā pēke e taea ana te tuku i tētahi takoha kaituku mahi orite. Mō rātou e taea ana te takoha i te iti rawa anake, ko te noho tonu i roto i KiwiSaver me te hopu i te takoha kaituku mahi i te nuinga o ngā wā he whaihua ake i te huri atu i ērā pūtea ki tētahi tapuinga wā. Puna: IRD — Employer KiwiSaver Contributions (ird.govt.nz/kiwisaver).