यह financial guide एक common New Zealand decision address करती है: mortgage repayment और KiwiSaver contributions के बीच extra income allocate करना।
Key Financial Comparisons
- •Current mortgage rates average 5%
- •Growth KiwiSaver funds average 9.3% returns (6.69% after tax)
Primary Recommendations
Employer matching और government tax credits capture करने के लिए KiwiSaver contributions maintain करें। आप जो भी KiwiSaver में contribute करते हैं (up to $1,042.86 per year), Government आपको 25 cents देती है। यह maximum $260.72 free money है हर साल।
Optimal Approach
Exclusively एक option choose करने की बजाय, balanced strategy consider करें: employer benefits capture करने के लिए sufficient contribute करें जबकि surplus funds mortgage reduction की तरफ direct करें।
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