财政部长 Nicola Willis 表示，通过工资或薪金向 KiwiSaver 养老金计划缴款的人员中，有 99.5% 的人将因缴费率上调而在退休后获得更高保障。

她指出：

“在默认缴费率上调近三个月后，只有0.5%的常规缴款人选择退出此次增加。”

这意味着，将有数十万新西兰人因该调整在退休时获得更充足的养老金储备。

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目前 KiwiSaver 成员略低于 350万人，其中约 180万人 通过雇主代扣工资方式持续缴款。

在这180万人中，仅有约 9300人 选择退出4月1日生效的缴费上调，仍维持原先 3% 的缴费比例。

Willis 表示：

“我很高兴看到如此多的新西兰人认识到提高缴费比例的价值，同时也能获得雇主匹配缴费。”

实际上，这意味着约180万人的 KiwiSaver 账户缴费比例已从工资或薪金的 6%提高至7%。

她补充说：

“即使在许多家庭面临财务压力的情况下，大多数人仍然选择为未来储蓄，这充分体现了新西兰人的长期财务规划意识。”

她指出，缴费金额的微小差异，在长期复利作用下会对养老金规模产生重大影响。

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KiwiSaver 的默认缴费率已于4月1日从 3%上调至3.5%，并计划在 2028年4月1日 再次上调 0.5个百分点。

Willis 举例说明：

“一名18岁、最低工资收入略低于5万纽币的年轻人，如果从4月1日开始加入该计划，并且收入按正常轨迹增长，到65岁时，其 KiwiSaver 账户可能达到约93万纽币。”

她表示，这一数字比旧的3%缴费制度下将多出约 19万纽币。

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她强调：

• KiwiSaver 已成为大多数新西兰人补充退休收入的主要储蓄工具
• 此次改革将提升整体退休财务安全
• 同时也将帮助年轻人更容易实现首次购房，因为 KiwiSaver 余额可用于首套住房购买

99.5 per cent of people contributing to KiwiSaver through their wages or salaries can look forward to greater security in retirement thanks to the increase in contribution rates, Finance Minister Nicola Willis says. 

“Almost three months after the default contribution rate for the scheme was lifted, only half a per cent of regular contributors have opted out of the increase.

“This means hundreds of thousands of Kiwis will be better off in retirement.”

KiwiSaver has just under 3.5 million members of whom about 1.8 million are contributing to their accounts through employee deductions. Of those 1.8 million, just 9300 have opted out of the increase that took effect on 1 April, choosing instead to remain on the previous 3 per cent rate.

“I’m delighted that so many New Zealanders have recognised the value of increasing their contributions and having those increases matched by their employers. 

Effectively this means the contributions to the KiwiSaver accounts of 1.8 million New Zealanders have increased from 6 to 7 per cent of their wages or salaries.  

“It says a lot about Kiwis’ priorities that even while financial conditions are tough for many, the vast majority are choosing to take the opportunity to save for a better financial future.   

“Small differences in weekly contributions make a big difference over the life of a superannuation scheme.”

The default contribution rate increased from 3 to 3.5 per cent on 1 April and will increase a further 0.5 per cent on 1 April 2028.

“That means an 18-year-old earning the minimum wage of just under $50,000 who joined the scheme on April 1 will have $930,000 in their KiwiSaver at age 65 if their earnings follow a typical trajectory,” Nicola Willis says.

“That is $190,000 more than they would have had with the old 3 per cent contribution rate. 

“Most New Zealanders have already embraced KiwiSaver as a simple way of saving to supplement their income in retirement. These changes will provide them with greater financial security. 

“They also mean young New Zealanders will be better placed to get a foot on the property ladder as KiwiSaver balances can be put towards the purchase of first homes.”