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KiwiSaver & Saving

Should My Wife And I Join Different KiwiSaver Providers?

I am in the process of signing up myself, my wife and our three young children into KiwiSaver. My question is: would you recommend signing up with different providers (and potentially different fund strategies) to give us further diversification?

KiwiSaver: How Can I Get A Contributions Holiday?

I have been told that to take a KiwiSaver contributions holiday of up to five years I must apply to IRD, and it is not guaranteed that it will accept my application. Do I have to plead poverty or is this my right? This will make my decision to join up or not.

KiwiSaver: Can Multiple Employers Contribute To My Account And Get Reimbursed?

You stated an employer could pay up to $1043 into an employee's KiwiSaver account, and be reimbursed by the Government.

KiwiSaver: Particularly Good For People Approaching Retirement?

KiwiSaver: Particularly Good For People Approaching Retirement?
As a chartered accountant/financial analyst I have done some analysis and came to the conclusion that the older you are the better the deal with KiwiSaver.

How Do KiwiSaver Tax Credits Work In Year One?

Not sure if you mind, but using information from your KiwiSaver book, a colleague and I put together a PowerPoint presentation of the pros and cons of KiwiSaver for our Indian community organisation in Wellington.

To Achieve "Conservative" Returns, What Advantages Does KiwiSaver Offer?

The KiwiSaver question uppermost in my mind has been "I want a conservative return, so why can't I just invest in a bank deposit account like ASB's Fastsaver, (which currently returns 8 per cent at call), or 90 day bills?"

How Much Can Employers Contribute To KiwiSaver?

Does the employer contribution to KiwiSaver have to equal 1 or up to 4 per cent, or can a dollar amount be nominated by the employer?

How Long Have I Got To Top Up KiwiSaver?

I have joined KiwiSaver and my weekly contribution is just short of $20 per week.

Is Compounding Interest Over-Rated?

I read a lot of financial advisors talking up the power of compounding interest. With average deposit rates of around 7 per cent (roughly 4.5 per cent after tax), I can't see how this compounding is a significant advantage.

How Do I Protect Myself From Term Deposit Ripoffs?

In 2002 I put $50,000 into a fixed interest account with the BNZ to mature in 2007.

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