IWIinvestorNā Sarah Delany, Nā Reo Whairawa Ltd i whakamāori
Ko te tohunga pūtaiao rongonui rawa o te ao hurihuri - ko Albert Einstein - e kiia ana nāna te kōrero, ko te huamoni hātepetepe te ānga tino kaha o te ao tukupū. Tērā hoki te kōrero, ko tāna i mea ai ko te huamoni hātepetepe te 'mīharo tuawaru o te ao'. Ahakoa nāna rānei i mea, ehara rānei (kei te ipurangi huri noa, nō reira he pono, neha?) - koinā tētehi mea whakahirahira e whai hua ai tātau katoa.
Ko te tikanga mārama nei o te huamoni hātepetepe ko te whai huamoni i runga anō i te huamoni o te pūtea pēke ake, ko te tupuranga rānei i runga anō i te tupuranga o ngā hea ake. Mā tātau tēnei hanga ohotata e hua atu ko te hua hātepetepe, i te mea kāore e hāngai ana ki te "huamoni" noa iho. Ka tika, me kaha te mahi e tutuki ai tō haumitanga tuatahi, engari hei tua atu, ko tā te hua hātepetepe ka huri ō pūtea hei kaimahi MĀU, i a koe e moe ana! Tēnā, titiro ki te tauira e whai ake nei.
Ka 6.7% te tōpūtanga hua ka whakamahia, arā, ko tō mātau hua pae tawhiti, ka matapaehia mō tā mātau huinga haumitanga Manawanui.
Mehemea ka haumi anō i ngā hua, ka tuku koe kia tere ake te pāpātanga o te tupu.
Heoi, kia mōhio koe ka pā hoki pea te hua hātepetepe ki ō taurewa. Ina roa o te wā hei utu i ō taurewa, ka nui atu te hua taurewa hei utu hoki. I te mōhio koe, i te nuinga o nga kāri taurewa, ka whakaputuputu ā-rā te hua taurewa? Mā te mōhio ki te āhua o te hātepetepe e tautokona ai koe kia whakahaere i ō taurewa (kia nahanaha te utuutu) me te whai painga i ō pūtea penapena (kia nahanaha te utuutu me te hāumiumi).
Te tiki wāhanga keke hātepetepe
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Kia tōmua te tīmata – ina roa te pae haumitanga, ka roa atu te wā hei hātepetepe. Ānō me te haumi i te pūtea pēke, i te KiwiSaver, i ngā Tahua Taurima - ahakoa he aha, he ōrite te tikanga. Ko te tōmuatanga o te tīmatanga e pai atu ai te putanga.
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Me hokihoki ki te haumi i ngā hua pūtea katoa (hua taurewa rānei, hua tūtanga pakihi rānei)
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Kia roa te hāumiumi
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Me ngana ki te tukutuku pūtea i tāu e āhei ai, ahakoa te iti o te pūtea.
Me akiaki tō whānau kia tere te hono ki te KiwiSaver - mehemea he utu tōwaenga noa iho, ka eke ētehi Kiwi ki te $1,000,000 neke atu, hei te tāokitanga, ina tukutuku atu i te pūtea iti i te roanga o te wā, ā, hei reira ka tutuki te hua hātepetepe.*
*Ko te utu tōwaenga ko $67,000, e whakauru ana koe i te 6% o te utu me ngā whakaurunga o te pāhi, kua haumi ki roto i te huinga haumitanga Manawanui, ā, ka hīmata i te wā e 25 tau te pakeke.
He aha i meatia ai te hua hātepetepe hei mīharo tuawaru o te ao?
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He mea whakataurite
Kāore te hua hātepetepe e aro ki te takenga mai rānei, ki te ira rānei, ki te pakeke rānei, ki te kiri rānei o te tangata. He rite tonu te pānga ki ngā tāngata katoa, e ai ki te wā. Ko te wā hoki te mea e ōrite ai tātau katoa, ā, ko te wā te mea e tupua ai te hua hātepetepe.
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Ka whakamahia te torohaki
Hei tauira, he tino kaha te horohuka, engari nōhea tīmata ai? I te nuinga o te wā, nō te wāhi iti, nō te poi huka iti? Ko te tō ā-papa te tōpana tino kaha e horo iho ai, he mea aukati kore. Tēnā, whakaritea te hua hātepetepe ki taua poi huka iti rā - arā, he ānga kaha ka puta ake i te mea iti. Hei tīmatanga, me mahi koe i te mahi, engari, he pērā me te poi huka iti, ka rahi haere tō whairawa i te poapoa i te whairawa, ā, ka tupu ake māu i te pahurenga o te wā.
Kei te hiahia koe ki te mōhio ki ōu ake pūtea penapena?
E mea ana mātau kia titiro atu koe ki ngā tātairanga rauiti mōu ake ka puta i te tātaitai matihiko ki:
Ko Sorted.org.nz tētehi o ngā waitohu whai pono o Aotearoa, e whakahaeretia ana e Te Ara Ahunga Ora Retirement Commission, he umanga motuhake kua utua e te kāwanatanga e titikaha ana ki te tautoko i ngā tāngata o Aotearoa e ahu whakamua ai te taha pūtea.
Hei whai i ngā kōrero kē atu mō āu haumitanga rānei, mō ā tāu Tarāti rānei, kei takaroa te whakapā mai, ki info@iwiinvestor.co.nz.
Hei Parenga: He pānga whānui noa nei nō ngā kōrero kei roto i tēnei whakaputanga. Kāore pea e hāngai pū ki ngā āhuatanga takitahi. I ngā wā katoa, i mua i ngā whakataunga hāumiumi, me whai ngā tohutohu ahumoni a tētehi Kaitūtohu Ahumoni e mahi ana i raro i te raihana FMA.