KiwiSaver

Not at all. In fact, since 1 December, there have been more advantages to staying in one than there were before: they exclude investments in fossil fuels and illegal weapons, cost significantly less than other funds, have a balanced investment mix (instead of conservative), and offer a high level of service to their members. But since balanced funds are not right for everyone, default funds won't be either. To make your choice of whether to be in a default fund, first find out which type of KiwiSaver fund will work best for you.

Since KiwiSaver is not a savings account, but rather an investment account that goes up and down in value, this is a good question to ask. Is it worth putting more in? Beyond making sure you put in enough to get your employer and government contributions, which make KiwiSaver a no-brainer, how much you contribute is up to you. To help you decide, you can easily estimate how much you’re on track to achieve in KiwiSaver. If you are a bit underwhelmed by your projected results, you have two levers to change it – your contributions and the type of fund you’re in. Those are the two KiwiSaver settings you can change to boost your future results.  

Independent earners can still get the government's contribution as well as returns from your money being invested in KiwiSaver. So even though it's primarily designed for employees, independent earners can still get a fair bit out of KiwiSaver, although it would be great if KiwiSaver worked a bit better for those of us who are self-employed. Here are some helpful considerations when you're self-employed. 

When you put money into KiwiSaver, it is joined by three more flows of money: from your employer, from the government and from the market (where that money is invested). That makes it so much more powerful than just regular saving. Employees are automatically opted into KiwiSaver, and money is generally available at age 65 (earlier for a first home). You don't have to be an employee, or even in paid work to be in it, although you do need to be living in New Zealand and be eligible to live here indefinitely. Here's how to get the most out of KiwiSaver. 

Everyone needs to choose which fund to be in, so which is the best fund for you? It's important to pick your fund based on important criteria (not just because it's a familiar brand or something). If you didn’t actively choose a fund when you started in KiwiSaver, the government did this for you by putting you into one of nine “default” funds. This was to get you started, until you got around to making a choice yourself. But how do you pick one? 

Yes, along with growing a nest egg for retirement, buying a first home is one of the goals that KiwiSaver is made for. Part of the purpose of KiwiSaver is to help us grow assets, and one way is by using it for a first-home withdrawal when you've built up some money in it. Find out more here. 

KiwiSaver is designed for two things: buying a first home and growing a nest egg for retirement. When times get tough, you can withdraw to keep food on the table and pay your living expenses. But typically it's not for repaying debt like credit cards, fines or infringement notices, debt collection agency bills, hire purchase debt for non-essential living expenses, holidays, or even travel to visit a sick relative. Here's how a hardship withdrawal works.

With KiwiSaver, your savings flow into a professionally managed fund (or funds) to buy units of investments such as shares, bonds or commercial property. Your KiwiSaver contributions go to a private fund manager, who takes your savings and buys into whichever fund you choose. Funds fall into five types: aggressive, growth, balanced, conservative, or defensive, depending on how many risky investments like shares or property each holds. You can learn more about types of funds here.  

No, it’s easy as – about the same as switching your mobile or power provider, actually. You let your new company know you want to move to them, and they do all the work behind the scenes. There are two ways of switching with KiwiSaver: staying with your provider but moving to one of their other funds, or moving to a new provider. There are good reasons to switch, such as when you're getting closer to the time you plan to start spending your KiwiSaver money, on a first home or in retirement. But there are also bad reasons to switch, such as because you heard about some other fund doing better than yours. Here's why. 

No. When you take out your KiwiSaver money, either for a first home, financial hardship, or to use to live on in retirement, that money is tax-free. Your KiwiSaver contributions are made after your income has been taxed, and the gains from your investments that you own in KiwiSaver are taxed as well. But when you withdraw for a first home or retirement at age 65, there is no tax to pay. It's your money to use. To withdraw your KiwiSaver money, contact your provider directly. 

If you’re an employee, you simply let your payroll or HR person know ahead of time and fill out a form. There are preset levels to choose from: 3%, 4%, 6%, 8% or 10%. But anyone can put in as much as they want to KiwiSaver at any time by getting in touch with their provider. How much of a difference will this make? Here’s our new KiwiSaver calculator to have a look. 

If you go on parental leave or are out of work, for example, your KiwiSaver money stays invested, so it can potentially keep growing behind the scenes. While you won’t be contributing from your pay, you can choose to contribute directly through your provider. That way you can still receive the government contribution of $521 each year. Even if you are not working, KiwiSaver can still work for you. For those on parental leave, some employers will even continue their contributions. But for everyone, the government's match of 50 cents for every dollar put in still applies, so it's important to put in at least $1,043 to get the full amount each year. Here's more on how KiwiSaver works. 

Your money's no longer locked away, and it's fairly simple to access. At 65 you become eligible to withdraw your KiwiSaver money, which you do through your KiwiSaver provider. If you continue working after you turn 65, you can choose to stop contributing into KiwiSaver, or keep investing even more money. Depending on your contract, employer contributions may stop. The government's top-up of $521 will also stop at 65, as you become eligible for NZ Super. Where will you be in KiwiSaver at 65? 

You want this to be a last resort, since you do irreversible damage. But if you are in significant hardship and need to withdraw to keep food on the table, you apply directly to your KiwiSaver provider. In tough situations like a Covid isolation, it's good to know that there is the possibility of a hardship withdrawal from KiwiSaver. But it can't be used for repaying debt or fines, for instance, and you want to make sure you're tapping all your other options first. Here's more when you're thinking of applying.

Based on what type of fund you're in, the amount you're contributing, and the years to go until retirement, we can project what balance you're on track to achieve with our KiwiSaver calculator. Depending on your settings, you may or may not be impressed. But you can alter your future by changing either your fund type or how much you're contributing. See what difference it will make. 

There are three prescribed investor rates (PIR) in KiwiSaver: 10.5%, 17.5%, or 28%. It helps to make sure your rate is correct so you're not paying more tax than you should be. If your income is sometimes or always less than $48,000 each year, you may be paying too much tax in KiwiSaver. It's simple to correct this: just contact your KiwiSaver provider directly and let them know. Here's more on how KiwiSaver works. 

KiwiSaver is not guaranteed by the government. It is, however, administered by Inland Revenue, which helps make sure it works properly, and overseen by the Financial Markets Authority, which makes sure KiwiSaver companies behave themselves and do right by you. It's important to remember that KiwiSaver providers are private companies, like any bank we use. Here are more KiwiSaver facts. 

There’s no one-size-fits-all answer. Let's work backwards from your goals: how much would you like to have for your first home or retirement, and how soon? Those questions can drive your choices. Take a moment to put your information into our KiwiSaver savings calculator to get an idea if you're on track to achieve those goals. Underwhelmed a bit? Try adjusting your contribution rate to see how much difference it makes. Finding a contribution rate that gets you to your goals and works with your budget is the key. Here’s our KiwiSaver calculator. 

Great question! Generally you want to be contributing enough to get all the KiwiSaver benefits like the employer and government contributions. Above that, it usually pays to funnel everything towards your mortgage. Whenever you pay off debt, you are saving yourself the interest you would have paid. On a mortgage, think of it as a sure return to you of whatever your mortgage interest rate is. See how much mortgage interest you could save. 

Did you know there are “defensive” KiwiSaver funds? They mostly hold cash and bonds, and out of all the five types of KiwiSaver funds, they protect you most from sudden drops in your balance. You won’t get the potential growth that you would in other types, but if you’re going to use your KiwiSaver money soon, especially within the next 1 to 3 years, they can be helpful. Here are all the defensive funds in KiwiSaver. 

Your KiwiSaver money is much like everything else you own – when you die it becomes part of your estate and is distributed according to the instructions you leave in your will. It's important to have a will drawn up just in case. Without a will the government will use a set formula to split up your assets – and this might not be what you would have wanted. To make sure your wishes are followed, particularly with your KiwiSaver, here's more about wills. 

Eligible members can withdraw their KiwiSaver savings (including tax credits). However at least $1,000 must remain in their KiwiSaver account.

To be eligible for a KiwiSaver first home withdrawal, you must: 

• Have been a member of a KiwiSaver scheme or complying superannuation fund for at least three years,  
• Have not owned a home or land before, (although there are conditions for a 2nd chance home buyer)  
• Be buying a home or land in New Zealand,  
• Intend to live in the home or on the land you’re buying for at least 6 months  
• Have not made a first home withdrawal before.  

Please also check that your KiwiSaver provider is a complying fund for First Home Withdrawal.  

KiwiSaver contribution requirements  

• You must have been regularly contributing at least the minimum amount to KiwiSaver for 3 years.  
• The minimum contribution is currently 3% of your total income.  
• The 3 years don't have to be consecutive, as long as they add up to 3 years' worth of contributions. For example, if you have been a KiwiSaver member for 3 years but took a 6 month savings suspension, you would not be eligible for the First Home Grant until you had contributed for another 6 months.  
• Contributions must be made from all your sources of income, not just your main source of income.  
• If you are a non-earner you need to make voluntary contributions of at least 3% of the adult minimum wage based on a 40 hour week.  
• If you are self-employed or on a benefit and make voluntary contributions, you need to have made contributions at least once a year for 3 years of at least 3% of your annual income.  
• If you have made a combination of automatic and voluntary contributions, the total amount needs to be at least 3% of your total annual income.  

Well, imagine for a second that KiwiSaver didn’t have any rules around the money in it. How much do you think would stay in our accounts? We’d bet not much. KiwiSaver would become a “get out of debt” card. People would run up their debt, hit their KiwiSaver, rinse and repeat. Soon that first home you were saving for, or the retirement you’re looking forward to, would disappear out of sight. You may be allowed to withdraw funds from your KiwiSaver if things get dire and you can’t put food on the table, and that’s a good safety valve. But hardship withdrawals aren’t for paying loans, fines or debt collectors. KiwiSaver is for those long-term goals worth sticking with.  

E kāo. Me kī, he nui ake ngā hua o te noho ki tētahi mai i te 1 o Tīhema, tēnā i mua: engari ka kauparetia ngā haumitanga koranehe, pū turekore, otirā he iti ake te utu i ō ētahi atu tahua, he hanumitanga haumi taurite (kaua ngā haumi tūpato), ā, he teitei te whakaratonga ki āna mema. Engari i te mea kāore i tika ngā tahua whārite mā te katoa, e kore pea e tika ngā tahua taunoa hoki. I mua i tō kōwhiri mēnā ka uru koe ki te tahua taunoa, i te tuatahi, rapua ko tēhea te momo tahua KiwiSaver e tika ana mōu.

I te mea ehara a KiwiSaver i te pūkete penapena, engari he pūkete haumi kē ka piki, ka heke hoki te uara, he pātai pai tērā hei whiu.  He tika kia nui ake te tāpaetanga?  I tua atu i te whakarite kia nui te tāpaetanga kia uru mai ngā tāpaetanga a tō kaituku mahi me te kāwanatanga, otirā he whakaaro atamai te KiwiSaver nā tērā, kei a koe kē te tikanga ka pēhea te nui o te tāpaetanga.  Hei āwhina i a koe ki te whakatau, he ngāwari noa te whakatau tata i te nui o te tahua ka eke i a koe i roto i a KiwiSaver.  Mēnā kāore koe i hiamo i te nui o ngā hua e manakotia ana, e rua ō ara ki te panoni i tērā - ko te nui o ō tāpaetanga me te momo tahua kei roto koe.  Koirā ngā tautuhinga KiwiSaver e rua ka taea e koe te panoni hei hiki i tō hua anamata.  

Ka taea tonu e ngā kaimahi motuhake te whiwhi i te tāpaetanga kāwanatanga tae atu ki ngā hua o ngā haumitanga o ō moni ki te KiwiSaver. Nō reira ahakoa kua hoahaotia kētia mā ngā kaimahi, ka taea tonu e ngā kaiwhiwhi motuhake te whiwhi painga i te KiwiSaver. He pai ake mēnā he nui ake ōna hua mā ngā hunga mahi ā-kiritanga. Anei ētahi whakaarotanga whaihua mā te hunga mahi ā-kiritanga

Ina whakauru moni koe ki KiwiSaver, e toru atu anō ngā rerenga moni ka tūhono ake: mai i te kaituku mahi, mai i te kāwanatanga me te mākete (te wāhi haumī o te moni). Nā tērā i mananui ake tēnei i te penapena noa. Ka aunoa kuhu i ngā kaimahi ki roto i a KiwiSaver, ā, ka āhei koe ki ō moni i te tau 65 (i mua i tērā mō te kāinga tuatahi). Ehara i te mea me kaimahi koe, me uru rānei ki te mahi whai utu, engari me noho ki Aotearoa, me māraurau ki te noho roa ki konei. Anei te huarahi pai e puta ai ngā hua i te KiwiSaver.

Me kōwhiri te katoa i tētahi tahua hei whakaurunga, nā reira ko tēhea te tahua pai rawa mōu?  He hiranga tonu kia kōwhiria tō tahua i runga i ngā paearu hira (kaua i te mea he ingoa rongonui, tētahi atu take rānei).  Mēnā kāore koe i kōwhiri hohe i tētahi tahua i te wā i uru koe ki te KiwiSaver, nā te kāwanatanga tēnei mahi mōu, mā te whakauru i a koe ki tētahi o ngā tahua "taunoa" e iwa.  I pēnei ai kia tīmata ai koe, kia tae ki te wā kia whakatau koe i tētahi ake mōu.  Engari me pēhea te kōwhiri i tētahi?

Āe, me te whakatipu i tētahi pūtea penapena mō te ahungarua, ko te hoko i tō whare tuatahi tētahi o ngā whāinga o te KiwiSaver. Ko tētahi tikanga o te KiwiSaver he āwhina ki te whakatipu rawa, otirā ko te hoko i te kāinga tuatahi tētahi o ōna hua. Rapua he kōrero anō i konei.

E rua ngā tikanga o te KiwiSaver: ko te hoko i te kāinga tuatahi me te whakatipu i tētahi pūtea penapena mō te ahungarua. Kia tau mai te taumahatanga, ka taea te tango moni hei uta kai ki te tēpu me te utu i ngā utunga. Engari ehara mō te utu nama pēnei i ngā kāri taurewa, whāina, pānui hāmene, pire kaikohi nama, nama hoko putuputu mō ngā utu waiwai-kore, hararei, te haere rānei ki te tirotiro whanaunga māuiui. Anei te tikanga mahi o te moni tango pōharatanga.

Ka rere ō penapena ki tētahi tahua taurima ngaio hei hoko waehanga haumitanga pēnei i te hea, te monihere, te whare arumoni rānei. Ka haere ō tāpaetanga KiwiSaver ki tētahi kaitaurima tahua tūmataiti, ka tango i ō penapena, ka kuhuna ki tētahi tahua e kōwhiri ana koe. Ka tau ngā tahua ki ngā momo e rima: rīrā, manawanui, whārite, tūpato, wawaenga rānei, kei runga i te āhua o te nui o ngā haumitanga mōrea pēnei i te hea, te whare rānei kei ia tahua. Ka taea te ako i ngā momo tahua i konei.

Kāo, he ngāwari noa - he rite ki te panoni waea pūkoro, pakihi hiko rānei. Ka whakamōhio koe i tō pakihi hou e hiahia ana koe ki te neke, ā, mā rātou e whakatinana. E rua ngā huarahi o te panoni i te KiwiSaver: Te noho ki taua kaiwhakarato engari me panoni tahua, me neke ki kaiwhakarato kē atu rānei. He pai ngā take ki te panoni, arā, i te tatanga ki te wā whakapau i tō KiwiSaver, mō te kāinga tuatahi, mō te ahungarua rānei. Engari tērā anō hoki ngā take kino ki te panoni, arā, i rongo koe he pai ake tētahi atu tahua i tāu. Anei te take.

Kāo. Ina tangohia ō moni KiwiSaver, mō te kāinga tuatahi, te pōharatanga, te ahungarua rānei, he tāke kore aua moni. Nō muri i te tāketanga o tō moni whiwhi ō tāpaetanga KiwiSaver, otirā ka tāketia hoki ngā hua o ō haumitanga i roto o KiwiSaver. Engari ina tango koe mō te kāinga tuatahi, te ahungarua rānei i te tau 65, kāore he tāke he utu. Nāu ēnā moni hei whakapau. Ki te tango i ō moni KiwiSaver, whakapā tika ki tō kaiwhakarato.

Mēnā he kaituku mahi koe, me whakamōhio noa i tō tangata HR me te whakakī i tētahi puka. Kau tau kē ngā taumata hei kōwhiringa: 3%, 4%, 6%, 8%, 10% rānei. Engari ka taea e koe te rau atu i tāu e hiahia ana ki te KiwiSaver mā te whakapā atu ki tō kaiwhakarato. Ka hia te nui o te rerekētanga o tēnei? Anei tā mātou tātaitai KiwiSaver hou hei tirohanga.

Ina whakataha koe mō te whānautanga, kua whakakorehia rānei tō mahi, ka noho haumi tonu tō KiwiSaver, nō reira ka tipu haere tonu. Ahakoa e kore koe e tuku moni mai i tō utunga, ka taea e koe te tāpae hāngai ki tō kaiwhakarato. Ki te pērā, ka whiwhi tonu koe i te tāpaetanga kāwanatanga o te $521 ia tau. Ahakoa kāore koe i te mahi, ka whai hua tonu koe i te KiwiSaver. Mō te hunga whakataha mō te whānautanga, ka utu tonu pea ētahi kaituku mahi i ngā tāpaetanga. Engari mō te nuinga, ka ū tonu te kāwanatanga ki te whakataurite i te 50 hēneti mō ia tāra kei roto, nō reira he mea nui tonu te rau atu i te $1,043 i ia tau e riro mai ai aua moni. Anei ētahi kōrero mō te āhua o KiwiSaver.

Kua kore e rakaina ō moni, ā, he ngāwari noa te tiki atu. I te 65 tau ka āhei koe ki te tango i ō moni KiwiSaver, mā roto i tō kaiwhakarato. Ki te mahi tonu koe i muri mai i te 65 tau, ka taea e koe te aukati i ō utunga ki KiwiSaver, ka taea rānei te haumi tonu. Kei runga i te āhua o tō kirimana, ka mutu pea ngā tāpaetanga kaituku mahi. Ka mutu hoki te pūtea tāpiri a te kāwanatanga o te $521 i te 65 tau, otirā ka māraurau koe mō te Penihana. Ka tau ki hea i roto i te KiwiSaver i te 65 tau?

He kōwhiringa whakamutunga tēnei, i te mea he nui te tūkinotanga. Engari mēnā kei te tino pōhara koe, ā, me tango i tēnei hei utu kai ki te tēpu, ka tono hāngai ki tō kaiwhakarato KiwiSaver. I ngā wā taumaha pēnei i te taratahi Kowheori, he pai ki te mōhio kei konā te moni tango pōharatanga mai i a KiwiSaver. Engari kāore e taea te whakaea nama, whāina rānei, a, me tirotiro ki ētahi atu kōwhiringa i te tuatahi. Anei ētahi kōrero ina whakaaro koe ki te tono.

Kei runga i te āhua o te momo tahua kei roto koe, te nui e tāpae ana koe, me ngā tau i mua i te ahungarua, ka taea e mātou te matapae i te tapeke ka whiwhi koe mā tō mātou tātaitai KiwiSaver. I runga i te āhua o ō tautuhinga, ka hiamo pea koe, e kore rānei pea. Engari ka taea e koe te whakarerekē i tō anamata mā te panoni i tō momo tahua, i te nui rānei o te tāpaetanga. Tirohia te rerekētanga.

E toru ngā momo tūtohinga pāpātanga kaiwhakarato pūtea (PIR) i te KiwiSaver: 10.5%, 17.5%, te 28% rānei. He pai tonu kia tika tō pāpānga kia kore e nui rawa tō utu tāke. Mēnā he iti ake tō moni whiwhi i te $48,000 i te tau, he nui rawa pea tō utu tāke i te KiwiSaver. He māmā noa ki te whakatika i tēnei: me whakapā noa ki tō kaiwhakarato KiwiSaver ka whakamōhio i a rātou. Anei ētahi kōrero o te āhua o KiwiSaver.

Ehara i te mea kua taurangitia te KiwiSaver e te kāwanatanga. Engari ka whakahaeretia e Te Tari Taake, māna e āwhina kei te tika te mahi, ā, ka tirotirohia e te Financial Markets Authority, ko tāna mahi he pā whakahaere i ngā pakihi KiwiSaver kia tika tā rātou mahi. Me mahara ake he pakihi tūmataiti ngā kaiwhakarato KiwiSaver, pērā ki ngā pēke. Anei ētahi atu meka KiwiSaver.

Kāore he whakautu ōrite mā te katoa. Me hoki whakamuri mai i ō whāinga: ka hia te nui o te moni e hiahia ana koe mō tō kāinga tuatahi, tō ahungarua rānei, ā, āhea? Mā ēnei pātai e kōkiri i ō kōwhiringa. Raua ō mōhiohio ki tā mātou tātaitai penapena KiwiSaver e kite ai koe mēnā kei te tika tō ara ki aua whāinga. He iti rawa? Me panoni i tō pāpānga tāpaetanga ki te tiro i te rerekētanga. Ko te mea matua ko te kimi pāpānga e tika ana ki ō whāinga me tō mahere pūtea. Anei tā mātou tātaitai KiwiSaver.

He pātai pai! Ko te painga kē mēnā ka nui tō tāpaetanga ki te KiwiSaver e riro mai ai ōna hua katoa pēnei i te tāpaetanga kaituku mahi me te kāwanatanga. Ko te mea nui, he pai te whakaaro ki te ahu i ō moni katoa hei utu i tō mōkete, me kī, he whakahokinga tūturu ki a koe o tō huamoni mōkete. Tirohia e hia te nui o te huamoni mōkete ka penapenatia e koe.

I mōhio rānei koe he tahua KiwiSaver "wawaonga"? Ka puri i te moni me te monihere, ā, o ngā momo tahua KiwiSaver e rima, ka haumaru nui i a koe mai i ngā hekenga ohorere o tō tahua. E kore e riro mai te tipunga nui pērā i ētahi atu tahua, engari mēnā kei te whakamahi koe i tō KiwiSaver hei ngā tau tata nei, 1 ki te 3 tau pea, he āwhina nui tēnei. Anei ngā tahua wawaonga katoa kei roto i a KiwiSaver.

He rite ō moni KiwiSaver ki ētahi atu mea e puritia ana e koe - ina mate koe ka noho hei wāhanga o ō rawa, ā, ka tohaina i runga anō i ngā tohutohu o tō wira. He mea nui te whakarite wira. Ki te kore he wira, ka whakamahia e te kāwanatanga tētahi ture hei wehewehe i ō rawa - e kore pea koe e hiahia kia pērā. Kia mātua whakarite ka whāia ō manakohanga, tatū noa ki te KiwiSaver, anei he kōrero mō ngā wira.

Ka taea e ngā mema māraurau te tango i ō rātou penapena KiwiSaver (tae atu ki ngā whiwhinga tāke).  Engari me noho tonu te $1,000, nui ake rānei ki tā rātou pūkete KiwiSaver.  E māraurau ai koe ki tētahi first home withdrawal a KiwiSaver,:  

• Me noho hei mema o te kaupapa KiwiSaver, tētahi atu tahua penihana e whakaaetia ana, mō te toru tau neke atu rānei,  
• Kāore anō i pupuri whare, whenua rānei i mua, (engari tērā ngā here mō te kaihoko kāinga),  
• Me hoko kāinga, whenua rānei i Aotearoa,  
• Me noho i roto i te kāinga, i runga rānei i te whenua e hoko ana koe mō te 6 marama,  
• Kāore i whiwhi i te first home withdrawal i mua.  

Tēnā hihira mēnā he tahua kua whakaaetia, tō kaiwhakarato Kiwisaver, mō te First Home Withdrawal.  

Ngā whakaritenga tāpaetanga KiwiSaver.  

• Me auau tonu tō tāpae i te tapeke mōkito ki te KiwiSaver mō te 3 tau.  
• Ko te tāpaetanga mōkito he 3% o tō whiwhinga moni katoa.  
• Ehara i te mea me raupapa ngā tau e 3, engari hui katoa me eke ki te 3 tau tāpaetanga.  Hei tauira, mēnā kua noho koe hei mema o KiwiSaver mō te 3 tau engari i whakatārewa koe i ō penapena pūtea mō te 6 marama, e kore koe e māraurau ake mō te First Home Grant, kia tāpae koe mō te 6 marama anō.  
• Ko ngā tāpaetanga me ahu mai i ō mātāpuna whiwhinga moni katoa, kaua i tō mātāpuna matua anake.  

Mēnā ehara koe i te tangata whiwhi moni, me tūao tō tāpae moni, kia eke ki te 3% o te utu kaimahi mōkito rawa, i runga anō i te wiki mahi 40 hāora.  

Mēnā ko koe tonu tō rangatira, kei runga rānei i te penihana, ā, e tuku ana i ngā tāpaetanga tūao, me tuku tāpaetanga koe i te wā kotahi, neke atu rānei, ia tau, mō te 3 tau, o te 3% neke atu rānei o tō whiwhinga moni ā-tau katoa.  

Mēnā i tuku koe i te pahekotanga o ngā tāpaetanga aunoa, tūao hoki, me eke te tapeke ki te 3% neke atu rānei o tō whiwhinga moni ā-tau katoa.

Nā, whakaarohia mō te wā poto mēnā kāore he here o te KiwiSaver me ōna pūtea.  Ki ōu whakaaro ka hia te nui o te pūtea ka noho ki ō tātou pūkete?  E kore pea e nui.  Ka noho pea a KiwiSaver hei kāri "whakaea nama".  Ka piki pea ngā nama o te tangata, ka whakamahia te KiwiSaver ki te whakaea, ā, ka pērā tonu, ka pērā tonu.  Mea rawa ake, ko te whare i penapena moni ai koe, te ahungarua rānei i manakotia e koe, ka nunumi i te tirohanga.  Ka āhei pea koe ki te tango moni mai i tō KiwiSaver mēnā ka taumahatia koe, ā, e kore e kaha ki te hoko kai, nā, he oraititanga pai tērā.  Engari ko ngā tangohanga take pōhara ehara mō te utu pūtea taurewa, hāmene, ngā kaikohi nama rānei.  Ko te tikanga o te KiwiSaver mō ngā whāinga pae tawhiti whai take.