Tātaitai Moni Whiwhi Ritaiamana

Mai i Aperiira 2025, ko ngā rēti Penihana Super o Aotearoa: $519.06 ia wiki (i muri i te tāke i te rēti M) mō tētahi tangata kotahi e noho ana ko ia anake; $477.35 ia wiki mō tētahi tangata kotahi e noho tahi ana me ētahi atu; me te $399.07 ia tangata ia wiki mō ngā tokorua (e rua ana ka whiwhi Super). Ka whakarerekehia ēnei rēti ia 1 Aperiira a ka honoa ki ngā neke o ngā utu wiki tikanga wā-tikanga (AOTWE), hei whakarite ka haere tahi te Super me te tipu utu. Ka utua te NZ Super ia rua wiki e Work and Income NZ (WINZ) tika ki tō pūkete pēke. Ko ngā tapeke i runga ake he tapeke i muri i te tāke i te waehere tāke tikanga M; menā he moni whiwhi anō ou, ka hiahiatia pea he waehere tāke rerekē (pērā i te M SL menā he taurewa ākonga au, SA rānei menā ko te Super anake tō moni whiwhi). Ka arotakehia ngā rēti ia tau hei wāhanga o te tukanga Tahua o te kāwanatanga. Puna: Work and Income NZ (workandincome.govt.nz).

Ka taea e koe te uru ki te Penihana Super o Aotearoa (NZ Super) mai i te pakeke 65. He rerekē ki ētahi atu pūnaha penihana o ētahi atu whenua, kāore he whakamatautau tikanga mō te NZ Super — kāore he whakamatautau moni whiwhi, kāore he whakamatautau rawa. Ka tōpūtia koe ki NZ Super i runga ake i tō pakeke me tō nohoanga anake. Hei otinga, me: 65 tau neke atu tō pakeke; he tangata whenua o Aotearoa, kāwanatanga tuturu, kāri tuuruhi noho rānei; a ka noho tikanga koe i Aotearoa (i tētahi whenua rānei e kotahi ana he Whakaaetanga Haumaru Pāpori me Aotearoa). Me noho anō koe i Aotearoa mō te 10 tau iti rawa mai i tō pakeke 20, ko ngā tau 5 o ērā i muri i te pakeke 50. Kāore he hiahia mō te taawhitinga, te mutunga mahi rānei — ka taea te whiwhi i NZ Super i a koe e mahi tonu ana. Ka taea ngā tono tae atu ki te 12 wiki i mua i tō hūpanga tau 65 ma Work and Income NZ. Puna: Work and Income NZ (workandincome.govt.nz).

E ai ki a Sorted.org.nz, tata ki te $70,000 ki te $300,000 neke atu ngā penapena hei māka utu nama pai i Aotearoa. Ka whakawhirinaki tēnei ki te āhua oranga e hiahia ana koe, me te rahinga e hipokina ana e NZ Super i ō hiahia. Ko te NZ Super (tata ki te $519 ia wiki takitahi, $798 ia wiki tokorua i te 2025) ka hipoki i ngā utu oranga tikanga, engari kāore pea e hoko i ngā whakapaunga kōhirangi pērā i te haereere, ngā haakari, me ngā tiaki kāinga. E tohu ana te tataitai māka utu nama a Sorted, mō tētahi tokorua e hiahia ana ki tētahi māka utu nama "pai" (taumata waenganui a Sorted), ka hiahia pea ki te $300,000+ penapena tāpiri. Engari mō tētahi tokorua harikoa ki tētahi āhua oranga iti-noa e tāpiri ana ki NZ Super, ka iti ake ngā hiahia. He maha ngā mea e whakaawe ana i te tapeke e hiahiatia ana: tō pakeke māka utu nama; te roa o tō oranga; ō whakapaunga e tūmanakohia ana; mehemea nāu tō whare (he nui ake ngā hiahia mō ngā kainoho-renti); me ngā whakahokinga haumi i roto i te taunga. Ka taea te tango i ngā pūtea KiwiSaver i roto i te māka utu nama. Puna: Sorted NZ (sorted.org.nz).

Āe — kāore he whakamatautau moni whiwhi, kāore he whakamatautau rawa mō te Penihana Super o Aotearoa. Ko te tikanga, ka taea e koe te whiwhi i tētahi tapeke moni whiwhi mai i te mahi, mahi-a-kiri, haumi, ētahi atu pūtake rānei, i a koe e whiwhi ana i te utu NZ Super katoa. He rerekē nui tēnei i ētahi atu pūnaha penihana o tāwāhi, ka whakaitia, ka heke rānei ngā painga ka piki ake te moni whiwhi. I Aotearoa, he mea ture, he mea tikanga hoki te whiwhi i NZ Super i a koe e mahi ana, inā koa, ka nui ake ngā tāngata e kōwhiri ana ki te mahi wāhanga-wā, ki te waenga-mahi rānei i muri i te 65. Ko te whakaaro anake ko te tāke: mēnā he moni whiwhi mahi anō ōu i tua atu i te NZ Super, me whakarite koe kei runga koe i te waehere tāke tika. Arā, ko te waehere M te tikanga mō Super ka kore pea e tika mēnā he moni whiwhi anō ōu, ā, ka hiahiatia pea koe ki te whakamahi i te Waehere Tāke Motuhake, ki te tuku rānei i tētahi pūrongo mutunga-tau. Kāore he tepe pakeke nui mō te mahi i Aotearoa. Puna: Work and Income NZ (workandincome.govt.nz); IRD (ird.govt.nz).