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KiwiSaver & Saving

How To Get KiwiSaver First Home Buyer Benefits For Non First Time Buyers?

How To Get KiwiSaver First Home Buyer Benefits For Non First Time Buyers?
Home-buying tests I've just separated at age 60. I have a job and will end up with only about $30,000. I have work super and will join KiwiSaver.

KiwiSaver: What To Do If My Employer Won't Pay

KiwiSaver: What To Do If My Employer Won't Pay
I have been contributing to KiwiSaver from its beginning in 2007 and have kept 4 per cent contributions going from my salary each week.

I'm Becoming Self-Employed: Should I Stay In KiwiSaver?

I'm Becoming Self-Employed: Should I Stay In KiwiSaver?
My income is partly from employment and partly self-employment. With regard to the former, 4 per cent of my salary is currently paid into a KiwiSaver account. As at the end of this year, I expect to be fully self-employed. Will I need to, at that point, seek a contribution holiday?

Can A Beneficiary Join KiwiSaver?

Can A Beneficiary Join KiwiSaver?
My 45-year-old son has a brain injury. I am 70-plus and hold power of attorney over his affairs. He is on a disability benefit, and probably will be for the remainder of his life.

Do I Qualify For First-Home Deposit Assistance?

Do I Qualify For First-Home Deposit Assistance?
I bought a rental property four years ago through an LAQC. My trust then bought my own residential home 18 months ago. These are the only two properties I have ever had a connection with. I have been contributing to KiwiSaver for nine months.

What Are My Employers Obligations If I'm On A KiwiSaver Contributions Holiday?

What Are My Employers Obligations If I'm On A KiwiSaver Contributions Holiday?
I'm on a contributions holiday on KiwiSaver. I have a big mortgage so I took a holiday after my first year of investing. After a short period of not contributing, I recommenced 2 per cent contributions and luckily so did my employer.  

Will My Partner And I Qualify For A First Home Deposit Subsidy?

Will My Partner And I Qualify For A First Home Deposit Subsidy?
I've been in KiwiSaver since the beginning. My fiancee just joined last year after obtaining her residency.   At the moment we don't live together but will do after marriage in December.  

What Should I Choose - ANZ Or ING KiwiSaver?

What Should I Choose - ANZ Or ING KiwiSaver?
With the changes to ING over the last few months - it is now 100 per cent owned by ANZ which also owns National Bank - it is interesting to read each of their KiwiSaver investment statements one after the other.  

Does It Makes Sense To Wait To Apply For First Home Deposit Assistance?

I would like to know, if you wait until year 10 (rather than three or five years) in KiwiSaver in order to use the first-home deposit withdrawal, can you take out all that you've put into KiwiSaver for those 10 years?  

I'm In My Mid-60s: Should I Contribute To KiwiSaver?

I'm In My Mid-60s: Should I Contribute To KiwiSaver?
I am in my mid-60s and have been made redundant after decades with the employer. I would like to take the opportunity to enjoy an early retirement, but will obviously need to cut back expenditure at least until I qualify for New Zealand Superannuation at 65.

Is KiwiSaver As Good As It Seems?

Is KiwiSaver As Good As It Seems?
Aged 90, I've known various financial opportunities, both fortunate and disastrous.

Should I Transfer The Payout From My Company Super Scheme To KiwiSaver?

Should I Transfer The Payout From My Company Super Scheme To KiwiSaver?
I am about to be made redundant. I had been contributing to a company superannuation scheme during the time I have been employed with the company. I had also recently joined KiwiSaver, so was contributing to both.

In A "Total Remuneration" Situation, Does Joining KiwiSaver Still Make Sense?

In A "Total Remuneration" Situation, Does Joining KiwiSaver Still Make Sense?
With the latest changes to KiwiSaver that were implemented on April 1, 2009, I was advised by my employer that all contributions made to KiwiSaver after that date would effectively be paid for by myself.

Is KiwiSaver For Suckers?

Is KiwiSaver For Suckers?
KiwiSaver ... what a crock. KiwiSaver makes fortunes for other organisations and virtually nothing comes back to you in the end. Don't get suckered in to it.

If I Don't Join KiwiSaver, How Much Could I Be Missing Out On?

If I Don't Join KiwiSaver, How Much Could I Be Missing Out On?
I've heard it said "For every month you delay joining KiwiSaver, you could miss out on the equivalent of $700 to spend in retirement."

Can We Join Both KiwiSaver And The Government's SSRSS Super Scheme?

Can We Join Both KiwiSaver And The Government's SSRSS Super Scheme?
My husband is a teacher and is in the Government's SSRSS super scheme. He is with ASB Bank. His contribution is 3 per cent, as is his employer's - the Government.

When To Judge The Performance Of Your KiwiSaver Fund

Why would I have to wait three years to see if my KiwiSaver cash investment is any good on a relative basis - as discussed in your column recently? Cash is generally defined as fixed-interest investments of less than 365 days and in practice many use 180 days.

How Will The Removal Of The $40 A Year KiwiSaver Fee Subsidy Affect Me?

How Will The Removal Of The $40 A Year KiwiSaver Fee Subsidy Affect Me?
My partner and I joined our 10-year-old daughters to KiwiSaver some 18 months ago. Since then we've left their accounts well alone, which seemed to be your advice, as without the tax credit that adults get it was better to pay off our mortgage sooner.

Should I Change My KiwiSaver Provider?

Should I Change My KiwiSaver Provider?
I joined KiwiSaver from inception date, with my first salary deductions credited to IRD on July 15, 2007. I chose Westpac KiwiSaver, to be loyal to my employer whose banking was with Westpac. I chose the Cash Fund, as I am nearing retirement (born 1952) and my risk appetite is low.

Questions For KiwiSaver Members In Their 60s

Questions For KiwiSaver Members In Their 60s
A couple of questions regarding KiwiSaver. I am 64 years old and not employed.

How Can I Get The Maximum Tax Credit Benefit From KiwiSaver?

In February I started a new job and was automatically enrolled in KiwiSaver. About $200 has been deducted, but unfortunately I did not enjoy the job and have left.

Will I Be Eligible For The First-Home Deposit Subsidy?

I have been voluntarily contributing to KiwiSaver at the rate of $20 a week since mid-May 2008, just after I turned 18.

Should My Son Enrol In KiwiSaver To Help Him Buy A Home?

My 20-year-old son has an $80,000 student loan and is currently earning $28,000. He isn't enrolled in KiwiSaver yet and I have great concerns about him being able to afford a home.

I'm On An Invalid's Benefit. Should I Enrol In KiwiSaver?

I am 57 years old, live alone and am on an invalid's benefit. I am told that it is very unlikely that I will ever be well enough to work again, but that my medical condition is unlikely to shorten my life span, so I do have to consider how I am to manage financially for the next 25 years.

Should I Sign My Children Up For KiwiSaver?

I predict there's going to be some very angry young people in the future, when they find out they've been signed up to KiwiSaver without their consent.

What Are The Key Features Of National's KiwiSaver Law?

With the new changes to KiwiSaver, "contributions to KiwiSaver will be lowered to 2 per cent of the weekly wage, matched by Government", the Herald said this week.

How Might The New National Government Change KiwiSaver?

I am somewhat confused by the National Party's proposed changes to KiwiSaver and how they might impact on me.

KiwiSaver: How Does Mortgage Diversion Work?

I am trying to understand the logic of mortgage diversion. I know the rules have been relaxed, so even if I have a revolving credit component of my mortgage I can now divert up to 50 per cent of my contributions, after 12 months in KiwiSaver. But why would I?

KiwiSaver: Should I Withdraw If I Move Overseas?

I have recently left New Zealand and put about $2000 into KiwiSaver before I left. I was wondering if it was best to leave it in the KiwiSaver account and contribute the minimum amount or whether it is better to pull it out after a year overseas.

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