Ep. 7: Your KiwiSaver and Sharesies KiwiSaver Scheme questions answered
What's total remuneration about? What’s next for the Sharesies KiwiSaver Scheme? And much much more!
Mary Holm, Tom Hartmann, and Sharesies’ own Matt Macpherson are back to answer listeners’ questions!
They tackle the concept of total remuneration when it comes to KiwiSaver contributions, talk about what’s coming to the Sharesies KiwiSaver Scheme this year, and finally offer up ideas on what the government should look at for its KiwiSaver review this year.
On May 22nd 2025 the government announced a number of changes to KiwiSaver that affect contribution rates and the annual government contributions that are mentioned in these podcast episodes. The changes are as follows:
Increase the default contribution rate from 3% to 4% by 2028. Raised to 3.5% on 1 April 2026 and 4% on 1 April 2028
You can apply for temporary relief on your contribution rate to keep it at 3% for a limited period
Maximum Government contribution has been halved from 50 cents to 25 cents for each dollar a member contributes up to a maximum contribution of $260.72
Government contribution will not be available for anyone earning over $180,000
16 and 17 year olds are eligible for Government Contributions from 1 July 2025
Listen to the full episode
Catch episode seven of The Payoff below, or listen on Apple Podcasts, Spotify, Google Podcasts, or iHeart.
Now for the legal bit
The Payoff is not financial advice. We recommend talking to a licensed financial adviser. You should review relevant product disclosure documents before deciding to invest. Investing involves risk. You might lose the money you start with. Content is current at the time.
The Payoff is for a New Zealand audience.
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