Prosper KiwiSaver
Take control of your future.
KiwiSaver is a long-term savings scheme designed to help you save towards your first home and your retirement. It can be tailored to match your risk to reward profile.
JARRED PERCIVAL - FSP1007910
NZ Financial Services Certificate - Level 5 in Investments, Insurance & Residential lending
Specialising in KiwiSaver and Investments
PROSPER FINANCIAL LIMITED - FSP1007548
The rules of KiwiSaver.
Secured until 65 yrs – exceptions
First Home
Financial Hardship
Serious Illness
Emigration
Death
Savings suspension -
You can put your KiwiSaver on hold anytime you want.*
*Employer and Government contributions also stop if you take a savings suspension.
The benefits of KiwiSaver.
3% + 3%
Doubles your contribution every year ¹
$260p.a.
Government contributes $260 every year. ²
First Home
Withdraw balance for first home deposit. ³
Tax Benefits
28% maximum tax rate. ⁴
1. Employers must contribute 3% of your gross salary if you contribute 3% or more. | 2. So long as you contribute $1042.86 each year. | 3. Provided the first home withdrawal requirements are met. | 4. Highest tax rate in NZ is up to 39%
Asset allocation
Compounding Interest.
“The 8th wonder of the world”
See below the example of how compounding interest returns can transform your life.
Starting balance of $25,000 x 10% interest per annum.
After ONE year of compounding returns you will have $27,500.
After FIVE years of compounding returns you will have $42,262.75.
After TEN years of compounding returns you will have $64,843.56.
After TWENTY years of compounding returns you will have $168,167.50.
Starting balance of $25,000 x 5% interest per annum.
After ONE year of compounding returns you will have $26,250.
After FIVE years of compounding returns you will have $31,907.04.
After TEN years of compounding returns you will have $40,722.37.
After TWENTY years of compounding returns you will have $66,332.44.
why save?
We all live busy lives. Retirement can seem a long way off.
Most Kiwis are worried about retirement*
2.8 Million
New Zealanders think they will have to work past retirement age to afford their retirements.
2.5 Million
New Zealanders feel they aren’t on track to have enough money for a happy retirement.
* Financial Services Council, ‘Money & You: KiwiSaver At A Crossroads’, July 2021, p.7.
Current life expectancy of New Zealanders
MEN age 87
WOMEN age 90
NZ Super is modest and hasn’t kept pace with inflation
$27,998
per year for a single person living alone
$21,537
per year for a couple who both qualify
Don’t leave your future in
the Government’s hands.
*https://sorted.org.nz/guides/retirement/this-years-nz-super-rates/
Who we choose to partner with.
Booster
NZ Funds
Milford
Generate
Next steps from here.
Provide personal ID, proof of address and IRD number. (today).
You will receive a personalised written KiwiSaver report. (1 - 2 days).
Hit the confirmation button below that you want to procced with our recommendation.
Prosper KiwiSaver
Helping you Prosper.