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In this episode of the Property Apprentice Podcast, host Debbie Roberts, financial adviser and owner of Property Apprentice, breaks down the latest KiwiSaver changes announced in the government’s May 22nd, 2025 Budget. Whether listeners are saving for their first home, planning for retirement, or simply trying to make sense of the updates, this episode delivers clear and practical insights.
Here’s what’s covered:
- 16- and 17-year-olds will now receive employer and government contributions to their KiwiSaver accounts
- The default employee and employer contribution rate will increase from 3% to 3.5% in 2026, and to 4% by 2028
- The annual government KiwiSaver top-up will be halved from $521 to $260.72 as of July 1, 2025
- Individuals earning over $180,000 will no longer receive any government contributions
- What these changes mean for savers and how they could affect long-term balances
- Why this is a great time to help teens start contributing to KiwiSaver
- Tips on how to make the most of what's still available
Debbie encourages listeners to check out the updated KiwiSaver Calculator at www.sorted.org.nz to assess how the changes might impact their savings goals.
Whether it's good news for young savers or a wake-up call for high earners, Debbie offers a balanced take on what the new rules mean for Kiwis — and how to adapt.
🔔 Subscribe, leave a review, and share this episode with anyone who has a KiwiSaver account or is thinking of starting one.
#KiwiSaver #NZBudget2025 #PropertyApprentice #FinancialAdviceNZ #FirstHomeBuyer #RetirementPlanning #DebbieRoberts #SortedNZ #FinancialLiteracyNZ
*Nothing from this episode should be taken as individual financial advice.
*Property Advice Group Limited trading as Property Apprentice has been granted a FULL Licence with the Financial Markets Authority of New Zealand. (FSP Number: FSP157564) Debbie Roberts | Financial Adviser (FSP221305) For our Public disclosure statement please go to our website or you may request a copy free of charge.
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