Kua kōrerohia i tēnei whārangi:

He aha te take me penapena mō tō ahungarua ināianei?

Mēnā kei te whakaaroaro koe he aha te take me tīmata koe ki te penapena mō tō ahungarua i te mea he tino tawhiti te wā, ko te whakautu ki tērā ko ngā 'hua whakaputu'. Ko ngā hua whakaputu, koinā ngā moni ka hua i roto i tō pūtea KiwiSaver, ā, ka tāpirihia ki tō pūtea tipu haere anō ngā hua ā muri ake.

Hei whakamāmā ake, me whakaaroaro koe ki tētahi pōrohuka e heke haere ana i tētahi hiwi hukapapa. Ki te heke i tētahi hiwi nui, ka nui ake te kohikohi hukapapa haere, ā, ka nui ake tēnā i te heke i tētahi hiwi pakupaku. He pērā anō tō KiwiSaver. Ko te tōmua atu o tō penapena, ko te nui atu o ō moni mō tō oranga.

He pēhea te mahi

I muri i tō whakauru ki KiwiSaver, ka tātaihia ētahi o ō 'moni whiwhi peke', ā, ka raua tonu atu ki tō KiwiSaver. Hei kaimahi, e whā ngā ara o te moni ka haere atu ki ō penapena KiwiSaver. Ko ēnei: 1) āu takoha, 2) te takoha a tō kaituku mahi, 3) te takoha a te kāwanatanga, me 4) ngā hua o ēnei mea katoa, arā ko te whakaputu.

Ko wai kei te takoha?

E ai ki ngā kōrero i runga ake, hei āwhina i a koe kia nui ake te penapena moni i roto i te wā roa, ka takoha te kāwanatanga ki tō tahua KiwiSaver, ā, ka herea tō kaituku mahi ki te takoha anō. E herea ana tō kaituku mahi ki te takoha kia 3% i te iti rawa o tō utu ki tō KiwiSaver, ā, ko te takoha a te kāwanatanga he $521.43. Ko āu he takoha he 3%, 4%, 6%, 8%, 10% rānei o tō utu. Kōwhiria te takoha nui rawa ka taea e koe te utu mō ngā hua pai rawa. Ki te kore e kōwhiria e koe he rahinga, he 3% ōrau ka tangohia mai, koinei te rahinga penapena noa.

Ngā hono whaitake:

E toru ngā tikanga hei rēhita

E toru ngā tikanga hei whakauru ki KiwiSaver, ā, e rua o ērā mā tō kaituku mahi ake.

  1. Ko te whakauru mā tō kaituku mahi, hei tauira, kua whai mahi kē koe. Ki te eke koe ki te 18 tau, ā, kua whai mahi koe, me mātua whakarite kia kōrero koe ki tō kaituku mahi mō te whakauru ki KiwiSaver i muri i tō huritau.
  2. Te whakauru noa ina tīmata koe i tētahi mahi hou: Ina tīmata koe i tētahi mahi hou, mēnā ehara koe i te mema, ā, kei te āhei atu koe, ka whakaurua noatia atu koe e tō kaituku mahi ki KiwiSaver.
  3. Mēnā he mahi ā-kiri koe, kāore i te mahi rānei, hei tauira, he matua tiaki tamariki koe, ka taea tonu te rēhita mō tētahi pūtea KiwiSaver. Tīpakohia he kaituku KiwiSaver e hāngai ana ki ō whāinga penapena, matatika hoki, ka whakapā atu ki a ia kia whakatūhia he pūtea pēke.

Ngā hono whaitake:

Ngā whāinga penapena

Ka whaitake pea ki a koe te whakatakoto whāinga e hia te rahinga e hiahia ana koe ki te penapena mō tō kāinga tuatahi, mō tō ahungarua hoki. He Tātaitai Penapena KiwiSaver tā Sorted e mōhio ai koe e hia te rahinga ka taea e koe te whakatipu i rō KiwiSaver i roto i te wā. Ka taea ngā hua whakaputu te tāpiripiri ki tētahi rahinga nui, ā, ko te tiro ki te tātai ka āwhina pea i a koe ki te whakatau e hia te rahinga hei takoha ki tō tahua KiwiSaver ināianei.

Tīpakohia he tahua KiwiSaver e hāngai ana

Ka tīmata tō pūtea ki te tipu haere, ā, mea rawa ka āhua nui tonu, nō reira me tika ō whakaritenga mai i te tīmatanga. Tirohia kua whakaritea tō pāpātanga tāke me te momo tahua mō te arotau i tō rahinga. He utauta tā Sorted mō tēnei kei tā rātau whārangi Get your KiwiSaver settings right. Whakamahia tēnei ki te kimi i te tahua tika mōu, i te mea he maha ngā momo tahua KiwiSaver rerekē. Ina kitea e koe te momo tahua pai mōu, whakamahia te utauta Kaihaumi Atamai a Sorted hei whakataurite i ngā tahua KiwiSaver, ngā utu me ngā hua ka tino whiwhi pea koe.

Ka tere kite koe ko te awhe o ngā tahua KiwiSaver mai i te tino taikaha ki te pukumahara. Ko ngā tahua taikaha mō te wā e hiahia ana koe i ngā tipuranga wā roa kaha, ā, kāore koe i te tango i ō tahua mō te 10 tau i te iti rawa. E tino hāngai ana ngā tahua pukumahara mō te wā e whakarite ana koe ki te whakapau i ō moni KiwiSaver i roto i te toru tau e whai ake.

Ka taea e au aku moni te whakamahi hei hoko whare?

Me kī, āe. Ka taea tō KiwiSaver te whakamahi hei hoko i tō whare tuatahi, i muri i te toru tau i te iti rawa e whāngaia ana e koe.

Ngā hono whaitake:

Ngā paetukutuku hira

  • Sorted: He pae pūtea whaiaro a Sorted e whai utauta ana me ngā mōhiohio e hiahiatia ana e koe hei whakahaere i ō nama, te whakamahere me te whai i te mahere pūtea, te penapena me te haumi, te whakarahi atu i tō KiwiSaver, te whakamahere mō tō ahungarua, te whakamaru i ngā mea hira, me te whai mōkete. Ka tukuna koe e Sorted ki te whakatikatika i ō pūtea me te anga whakamua ā-pūtea.
  • KiwiSaver: He paetukutuku nā te kāwanatanga a KiwiSaver.govt.nz e tuku mōhiohio ana mō KiwiSaver, me pēhea te puta mai, te whai haere i ō utunga me te whakarerekē kaituku KiwiSaver. Tirohia te pae mō ngā kōrero pai, mārama hoki mō ngā mea katoa e whai pānga ana ki a KiwiSaver.