{"id":5774,"date":"2026-06-21T02:28:15","date_gmt":"2026-06-20T14:28:15","guid":{"rendered":"https:\/\/nzchinesedailynews.co.nz\/2026\/06\/21\/99-5-per-cent-benefiting-from-kiwisaver-change\/"},"modified":"2026-06-22T12:53:12","modified_gmt":"2026-06-22T00:53:12","slug":"99-5-per-cent-benefiting-from-kiwisaver-change","status":"publish","type":"post","link":"https:\/\/nzchinesedailynews.co.nz\/?p=5774","title":{"rendered":"KiwiSaver\u6539\u9769\u60e0\u53ca99.5%\u7f34\u8d39\u8005"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\"><\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d22\u653f\u90e8\u957f Nicola Willis \u8868\u793a\uff0c\u901a\u8fc7\u5de5\u8d44\u6216\u85aa\u91d1\u5411 KiwiSaver \u517b\u8001\u91d1\u8ba1\u5212\u7f34\u6b3e\u7684\u4eba\u5458\u4e2d\uff0c\u6709 <strong>99.5%<\/strong> \u7684\u4eba\u5c06\u56e0\u7f34\u8d39\u7387\u4e0a\u8c03\u800c\u5728\u9000\u4f11\u540e\u83b7\u5f97\u66f4\u9ad8\u4fdd\u969c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5979\u6307\u51fa\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c\u5728\u9ed8\u8ba4\u7f34\u8d39\u7387\u4e0a\u8c03\u8fd1\u4e09\u4e2a\u6708\u540e\uff0c\u53ea\u67090.5%\u7684\u5e38\u89c4\u7f34\u6b3e\u4eba\u9009\u62e9\u9000\u51fa\u6b64\u6b21\u589e\u52a0\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u610f\u5473\u7740\uff0c\u5c06\u6709\u6570\u5341\u4e07\u65b0\u897f\u5170\u4eba\u56e0\u8be5\u8c03\u6574\u5728\u9000\u4f11\u65f6\u83b7\u5f97\u66f4\u5145\u8db3\u7684\u517b\u8001\u91d1\u50a8\u5907\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u76ee\u524d KiwiSaver \u6210\u5458\u7565\u4f4e\u4e8e <strong>350\u4e07\u4eba<\/strong>\uff0c\u5176\u4e2d\u7ea6 <strong>180\u4e07\u4eba<\/strong> 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has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">KiwiSaver \u7684\u9ed8\u8ba4\u7f34\u8d39\u7387\u5df2\u4e8e4\u67081\u65e5\u4ece <strong>3%\u4e0a\u8c03\u81f33.5%<\/strong>\uff0c\u5e76\u8ba1\u5212\u5728 <strong>2028\u5e744\u67081\u65e5<\/strong> \u518d\u6b21\u4e0a\u8c03 <strong>0.5\u4e2a\u767e\u5206\u70b9<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Willis \u4e3e\u4f8b\u8bf4\u660e\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c\u4e00\u540d18\u5c81\u3001\u6700\u4f4e\u5de5\u8d44\u6536\u5165\u7565\u4f4e\u4e8e5\u4e07\u7ebd\u5e01\u7684\u5e74\u8f7b\u4eba\uff0c\u5982\u679c\u4ece4\u67081\u65e5\u5f00\u59cb\u52a0\u5165\u8be5\u8ba1\u5212\uff0c\u5e76\u4e14\u6536\u5165\u6309\u6b63\u5e38\u8f68\u8ff9\u589e\u957f\uff0c\u523065\u5c81\u65f6\uff0c\u5176 KiwiSaver \u8d26\u6237\u53ef\u80fd\u8fbe\u5230\u7ea693\u4e07\u7ebd\u5e01\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5979\u8868\u793a\uff0c\u8fd9\u4e00\u6570\u5b57\u6bd4\u65e7\u76843%\u7f34\u8d39\u5236\u5ea6\u4e0b\u5c06\u591a\u51fa\u7ea6 <strong>19\u4e07\u7ebd\u5e01<\/strong>\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u5979\u5f3a\u8c03\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>KiwiSaver \u5df2\u6210\u4e3a\u5927\u591a\u6570\u65b0\u897f\u5170\u4eba\u8865\u5145\u9000\u4f11\u6536\u5165\u7684\u4e3b\u8981\u50a8\u84c4\u5de5\u5177<\/li>\n\n\n\n<li>\u6b64\u6b21\u6539\u9769\u5c06\u63d0\u5347\u6574\u4f53\u9000\u4f11\u8d22\u52a1\u5b89\u5168<\/li>\n\n\n\n<li>\u540c\u65f6\u4e5f\u5c06\u5e2e\u52a9\u5e74\u8f7b\u4eba\u66f4\u5bb9\u6613\u5b9e\u73b0\u9996\u6b21\u8d2d\u623f\uff0c\u56e0\u4e3a KiwiSaver \u4f59\u989d\u53ef\u7528\u4e8e\u9996\u5957\u4f4f\u623f\u8d2d\u4e70<\/li>\n<\/ul>\n\n\n<p>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.&nbsp;<\/p>\n<p>\u201cAlmost 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.<\/p>\n<p>\u201cThis means hundreds of thousands of Kiwis will be better off in retirement.\u201d<\/p>\n<p>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.<\/p>\n<p>\u201cI\u2019m delighted that so many New Zealanders have recognised the value of increasing their contributions and having those increases matched by their employers.&nbsp;<\/p>\n<p>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.&nbsp;&nbsp;<\/p>\n<p>\u201cIt says a lot about Kiwis\u2019 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.&nbsp;&nbsp;&nbsp;<\/p>\n<p>\u201cSmall differences in weekly contributions make a big difference over the life of a superannuation scheme.\u201d<\/p>\n<p>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.<\/p>\n<p>\u201cThat 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,\u201d Nicola Willis says.<\/p>\n<p>\u201cThat is $190,000 more than they would have had with the old 3 per cent contribution rate.&nbsp;<\/p>\n<p>\u201cMost 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.&nbsp;<\/p>\n<p>\u201cThey 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.\u201d<\/p>","protected":false},"excerpt":{"rendered":"<p>\u8d22\u653f\u90e8\u957f Nicola Willis \u8868\u793a\uff0c\u901a\u8fc7\u5de5\u8d44\u6216\u85aa\u91d1\u5411 KiwiSaver \u517b\u8001\u91d1\u8ba1\u5212\u7f34\u6b3e\u7684\u4eba\u5458\u4e2d\uff0c\u6709  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