Super Funds

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• Investments
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• Retirement Planning
• Estate Planning

Calculators

• KiwiSaver Calculator for Employees
• Residential Property Investment Calculator

Useful Resources

• KiwiSaver Tools and Information
• Follow the Secrets to Wealth
• Get the newsletter direct to your inbox each month
• Independent life insurance information

• Introduction to superannuation funds
• Superannuation fund prices
• Employer subsidised superannuation funds
• Costs and returns of superannuation funds
• Advantages and disadvantages of investing in a superannuation fund
• Redemption of your superannuation fund
• Taxation of superannuation funds
• Information and resources on superannuation funds

Employer subsidised superannuation funds

You may be offered membership of a plan through your work organisation. These plans are certainly worth investigating, especially if there's some sort of employer contribution. Some employers may contribute up to a dollar for each dollar you contribute. That's a 100% return, which isn't a bad way to start building your retirement fund.

A few important points to think about:

• Can you transfer the fund if you leave the company?
• How long do you have to be with the company before you're eligible for the employer subsidy?
• There's currently a tax advantage for employees, on a marginal tax rate of 39%, to belong and contribute to an employer-subsidised scheme.

Sorted has some useful information for employees about company super schemes.