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Nā 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

  • 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.

  • Me hokihoki ki te haumi i ngā hua pūtea katoa (hua taurewa rānei, hua tūtanga pakihi rānei)

  • Kia roa te hāumiumi

  • 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?

  • 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.

  • 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 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, me whai ngā tohutohu ahumoni a tētehi Kaitūtohu Ahumoni e mahi ana i raro i te raihana FMA i mua i ngā whakataunga hāumiumi.

 

 

Sarah Delany

Financial Adviser (FA)

Sarah is IWIinvestor’s Investment Adviser and a Financial Adviser (FA) FSP 25924. She has been in the industry since 1999 and has been awarded the Financial Advice NZ Trusted Adviser mark. As Investment Adviser, she has primary responsibility for providing investment advice. READ MORE

 

Ko te ānga tino kaha o te ao tukupū ko te…. huamoni hātepetepe?

 
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