KiwiSaverRefix

应该还房贷还是存入KiwiSaver？

4 July 2025-5 min read-By Jarrod Kirkland

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Key Takeaways

1始终缴纳足够的KiwiSaver以获得雇主匹配和政府税收抵免。
2KiwiSaver每年提供高达260.72美元的免费政府资金。
3考虑平衡方法：为获得福利而缴纳KiwiSaver，同时将剩余资金用于房贷。

新西兰人常见的财务决策：在房贷还款和KiwiSaver缴款之间分配额外收入。

本财务指南讨论新西兰人常见的财务决策：在房贷还款和KiwiSaver缴款之间分配额外收入。

关键财务比较

•当前房贷利率平均为5%
•成长型KiwiSaver基金平均回报率为9.3%（税后6.69%）
•长期房贷利率可能平均在6-7%，而KiwiSaver税后回报约为5.5%

主要建议

保持KiwiSaver缴款以获得雇主匹配和政府税收抵免。您每存入KiwiSaver 1美元（每年最高1,042.86美元），政府就给您25分。这意味着每年最高可获得260.72美元的免费资金。

最佳方法

与其只选择一个选项，不如考虑平衡策略：缴纳足够的金额以获得雇主福利，同时将剩余资金用于房贷还款或建立投资房产权益。

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Frequently Asked Questions

应该多还房贷还是多存KiwiSaver？

保持KiwiSaver缴款以获得雇主匹配和政府税收抵免，每年最高可获得260.72美元的免费资金。

Disclaimer

The information on this website is for general guidance only and does not constitute financial or investment advice. Always do your own research and seek personalised advice from a qualified financial adviser or mortgage adviser before making financial decisions. All investments carry risk and past performance is not indicative of future results.