{"id":12209,"date":"2025-05-02T05:40:16","date_gmt":"2025-05-01T17:40:16","guid":{"rendered":"https:\/\/askmenz.com\/?p=12209"},"modified":"2026-07-09T18:26:55","modified_gmt":"2026-07-09T06:26:55","slug":"nz-kiwisaver","status":"publish","type":"post","link":"https:\/\/askmenz.com\/en\/nz-kiwisaver\/","title":{"rendered":"\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5e74\u91d1KiwiSaver\uff5c\u4ed5\u7d44\u307f\u30fb\u7a2e\u985e\u30fb\u6761\u4ef6\u30fb\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u6bd4\u8f03\u307e\u3067"},"content":{"rendered":"<p><span style=\"color: #ffffff;\">XXX<\/span><\/p>\n<p>\u300cKiwiSaver\u3063\u3066\u5b9f\u969b\u3069\u3093\u306a\u5236\u5ea6\uff1f\u300d\u300c\u81ea\u5206\u306b\u3068\u3063\u3066\u3069\u3093\u306a\u30e1\u30ea\u30c3\u30c8\u304c\u3042\u308b\u306e\uff1f\u300d\u2015\u2015\u305d\u3093\u306a\u7591\u554f\u3092\u6301\u3061\u306a\u304c\u3089\u3001\u306a\u3093\u3068\u306a\u304f\u52a0\u5165\u3057\u3066\u3044\u308b\u4eba\u3082\u5c11\u306a\u304f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>KiwiSaver\u306f\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3067\u751f\u6d3b\u3059\u308b\u4eba\u3005\u306b\u3068\u3063\u3066\u8001\u5f8c\u8cc7\u91d1\u306e\u67f1\u3068\u306a\u308b\u5927\u5207\u306a\u5236\u5ea6\u3067\u3059\u304c\u3001\u4ed5\u7d44\u307f\u3084\u9078\u3076\u30d5\u30a1\u30f3\u30c9\u306b\u3088\u3063\u3066\u3001\u5c06\u6765\u306e\u53d7\u3051\u53d6\u308a\u984d\u306b\u5927\u304d\u306a\u5dee\u304c\u751f\u3058\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u5236\u5ea6\u3092\u304d\u3061\u3093\u3068\u7406\u89e3\u3057\u3066\u9078\u3070\u306a\u3044\u3068\u3001<span style=\"text-decoration: underline;\"><strong>\u672c\u6765\u5f97\u3089\u308c\u308b\u306f\u305a\u3060\u3063\u305f\u5229\u76ca\u3092\u9003\u3057\u305f\u308a\u3001\u601d\u308f\u306c\u640d\u5931\u306b\u7e4b\u304c\u308b\u6050\u308c\u3082\u3042\u308a\u307e\u3059<\/strong><\/span>\u3002<\/p>\n<p>\u3053\u306e\u30da\u30fc\u30b8\u3067\u306f\u3001KiwiSaver\u306e\u57fa\u672c\u30fb\u6761\u4ef6\u30fb\u7a2e\u985e\u304b\u3089\u3001\u6ce8\u610f\u70b9\u3084\u9078\u3073\u65b9\u3001\u4eba\u6c17\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u6bd4\u8f03\u307e\u3067\u3084\u3055\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<ol>\n<li><a href=\"#1\"><strong>\u00a0KiwiSaver\u3068\u306f\uff1f\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5e74\u91d1\u30fb\u6295\u8cc7\u5236\u5ea6\u306e\u57fa\u672c<\/strong><\/a><\/li>\n<li><a href=\"#2\"><strong>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5e74\u91d1\u5236\u5ea6\uff01KiwiSaver\u306e\u52a0\u5165\u6761\u4ef6\u3068\u4ed5\u7d44\u307f<\/strong><\/a><\/li>\n<li><a href=\"#3\"><strong>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306eKiwiSaver\u30d5\u30a1\u30f3\u30c9\uff5c\u7a2e\u985e\u3068\u904b\u7528\u30b9\u30bf\u30a4\u30eb<\/strong><\/a><\/li>\n<li><a href=\"#4\"><strong>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306eKiwiSaver\uff5c\u5f15\u304d\u51fa\u3057\u30eb\u30fc\u30eb\u3068\u30bf\u30a4\u30df\u30f3\u30b0<\/strong><\/a><\/li>\n<li><a href=\"#5\"><strong>NZ\u5728\u4f4f\u65e5\u672c\u4eba\u304cKiwiSaver\u3092\u5229\u7528\u3059\u308b\u969b\u306e\u6ce8\u610f\u70b93\u3064<\/strong><\/a><\/li>\n<li><a href=\"#6\"><strong>KiwiSaver\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u9078\u3073\u65b9\uff5c\u4eba\u6c17\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc9\u793e\u306e\u6bd4\u8f03<\/strong><\/a><\/li>\n<\/ol>\n<p>\u6700\u5f8c\u307e\u3067\u8aad\u3081\u3070\u3001KiwiSaver\u3078\u306e\u7406\u89e3\u304c\u30b0\u30c3\u3068\u6df1\u307e\u308a\u3001\u81ea\u8eab\u306e\u5c06\u6765\u3092\u3088\u308a\u8c4a\u304b\u306b\u3059\u308b\u305f\u3081\u306b\u3082\u4eca\u4f55\u3092\u3059\u3079\u304d\u304b\u304c\u304d\u3063\u3068\u5206\u304b\u308b\u3067\u3057\u3087\u3046\uff01<\/p>\n<p><!--more--><\/p>\n<h2 id=\"1\">1. KiwiSaver\u3068\u306f\uff1f\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5e74\u91d1\u30fb\u6295\u8cc7\u5236\u5ea6\u306e\u57fa\u672c<\/h2>\n<p>KiwiSaver\uff08\u30ad\u30a6\u30a3\u30bb\u30fc\u30d0\u30fc\uff09\u306f\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u653f\u5e9c\u304c2007\u5e74\u306b\u5c0e\u5165\u3057\u305f\u56fd\u4e3b\u5c0e\u306e\u4efb\u610f\u52a0\u5165\u578b\u306e\u9000\u8077\u8caf\u84c4\u5236\u5ea6\u3067\u3059\u3002<\/p>\n<p>\u65e5\u672c\u306e\u539a\u751f\u5e74\u91d1\u3084\u4f01\u696d\u5e74\u91d1\u5236\u5ea6\u3068\u306f\u7570\u306a\u308a\u3001\u500b\u4eba\u304c\u81ea\u5206\u3067\u52a0\u5165\u3092\u6c7a\u3081\u3001\u7a4d\u7acb\u30fb\u6295\u8cc7\u30fb\u5f15\u304d\u51fa\u3057\u3092\u9078\u3079\u308b\u4ed5\u7d44\u307f\u304c\u7279\u5fb4\u3067\u3059\u3002<\/p>\n<p>\u3053\u3053\u3067\u306f\u307e\u305a\u3001KiwiSaver\u306e\u5168\u4f53\u50cf\u3068\u3001\u65e5\u672c\u306e\u5236\u5ea6\u3068\u306e\u9055\u3044\u3092\u6574\u7406\u3057\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>1-1. KiwiSaver\u306e\u4e3b\u306a\u76ee\u7684\u3068\u5f79\u5272<\/h3>\n<p>KiwiSaver\u306f\u4e3b\u306b\u6b21\u306e2\u3064\u3092\u76ee\u7684\u3068\u3057\u305f\u5236\u5ea6\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u2460 \u8001\u5f8c\u8cc7\u91d1\u306e\u6e96\u5099\uff08\u9000\u8077\u5f8c\u306b\u5341\u5206\u306a\u751f\u6d3b\u8cbb\u3092\u78ba\u4fdd\u3059\u308b\uff09<\/li>\n<li>\u2461 \u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u652f\u63f4\uff08\u521d\u3081\u3066\u306e\u4f4f\u5b85\u8cfc\u5165\u6642\u306b\u5f15\u304d\u51fa\u3057\u304c\u53ef\u80fd\uff09<\/li>\n<\/ul>\n<p>KiwiSaver\u306b\u52a0\u5165\u3059\u308b\u3068\u3001\u7d66\u4e0e\u304b\u3089\u4e00\u5b9a\u5272\u5408\u304c\u81ea\u52d5\u3067\u5dee\u3057\u5f15\u304b\u308c\u3066\u7a4d\u307f\u7acb\u3066\u3089\u308c\u3001\u9078\u629e\u3057\u305f\u30d5\u30a1\u30f3\u30c9\uff08\u6295\u8cc7\u5546\u54c1\uff09\u3067\u904b\u7528\u3055\u308c\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u306b\u52a0\u3048\u3001\u96c7\u7528\u4e3b\u3084\u653f\u5e9c\u304b\u3089\u306e\u62e0\u51fa\u91d1\uff08\u88dc\u52a9\uff09\u3082\u3042\u308a\u3001\u500b\u4eba\u3060\u3051\u3067\u306a\u304f\u300c\u96c7\u7528\u4e3b\uff0b\u56fd\u300d\u3082\u4e00\u7dd2\u306b\u8cc7\u7523\u5f62\u6210\u3092\u652f\u3048\u3066\u304f\u308c\u308b\u4ed5\u7d44\u307f\u3067\u3059\u3002<\/p>\n<h3>1-2. \u5f37\u5236\u3067\u306f\u306a\u304f\u300c\u4efb\u610f\u52a0\u5165\u300d\u5236\u5ea6<\/h3>\n<p>KiwiSaver\u306f\u57fa\u672c\u7684\u306b\u4efb\u610f\u52a0\u5165\u5236\u3067\u3059\u3002\u2028\u3064\u307e\u308a\u3001\u52a0\u5165\u3059\u308b\u304b\u3057\u306a\u3044\u304b\u306f\u672c\u4eba\u306e\u81ea\u7531\u3067\u3059\u304c\u3001<\/p>\n<p>\u30d5\u30eb\u30bf\u30a4\u30e0\u30fb\u30d1\u30fc\u30c8\u30bf\u30a4\u30e0\u554f\u308f\u305a\u3001\u65b0\u898f\u96c7\u7528\u3055\u308c\u308b18\u301c64\u6b73\u306e\u5f93\u696d\u54e1\u306f\u81ea\u52d5\u7684\u306b\u4eee\u52a0\u5165\u3055\u308c\u300128\u65e5\u4ee5\u5185\u3067\u3042\u308c\u3070\u8131\u9000\u53ef\u80fd\u2028\u3068\u3044\u3046\u300c\u30aa\u30d7\u30c8\u30a2\u30a6\u30c8\u578b\u306e\u81ea\u52d5\u52a0\u5165\u5236\u5ea6\u300d\u304c\u3068\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3>1-3. \u5e74\u91d1\u3060\u3051\u3067\u306a\u304f\u300c\u6295\u8cc7\u5236\u5ea6\u300d\u3067\u3082\u3042\u308b<\/h3>\n<p>KiwiSaver\u306e\u5927\u304d\u306a\u7279\u5fb4\u306e\u3072\u3068\u3064\u304c\u3001\u81ea\u5206\u3067\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3073\u3001\u8cc7\u7523\u904b\u7528\u3067\u304d\u308b\u70b9\u3067\u3059\u3002<\/p>\n<p>\u30d5\u30a1\u30f3\u30c9\u306f\u5404\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\uff08\u904b\u7528\u4f1a\u793e\uff09\u304c\u63d0\u4f9b\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306b\u3001\u6295\u8cc7\u30b9\u30bf\u30a4\u30eb\u3084\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306b\u5fdc\u3058\u3066\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u4fdd\u5b88\u7684\u306a\u30d5\u30a1\u30f3\u30c9\uff08\u5143\u672c\u91cd\u8996\uff09<\/li>\n<li>\u6210\u9577\u5fd7\u5411\u306e\u30d5\u30a1\u30f3\u30c9\uff08\u30ea\u30b9\u30af\u3092\u53d6\u3063\u3066\u30ea\u30bf\u30fc\u30f3\u3092\u72d9\u3046\uff09\u2028\u306a\u3069<\/li>\n<\/ul>\n<p>\u3053\u308c\u306f\u65e5\u672c\u306e\u5e74\u91d1\u5236\u5ea6\u306b\u306f\u3042\u307e\u308a\u898b\u3089\u308c\u306a\u3044\u300c\u81ea\u5206\u3067\u904b\u7528\u6226\u7565\u3092\u9078\u3079\u308b\u5e74\u91d1\u5236\u5ea6\u300d\u3067\u3042\u308b\u3053\u3068\u3092\u610f\u5473\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3>1-4. \u65e5\u672c\u306e\u5236\u5ea6\u3068\u306e\u9055\u3044<\/h3>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 10%; background-color: #fafade; text-align: center;\"><strong>\u9805\u76ee<\/strong><\/td>\n<td style=\"width: 40%; background-color: #fafade; text-align: center;\"><strong>KiwiSaver<\/strong><\/td>\n<td style=\"width: 50%; background-color: #fafade; text-align: center;\"><strong>\u65e5\u672c\u306e\u5236\u5ea6<\/strong><br \/>\n<strong>\uff08\u539a\u751f\u5e74\u91d1\u30fbiDeCo\u306a\u3069\uff09<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 10%; text-align: center;\">\u52a0\u5165<\/td>\n<td style=\"width: 40%;\">\u4efb\u610f<br \/>\n\uff08\u81ea\u52d5\u52a0\u5165\uff0b\u8131\u9000\u53ef\uff09<\/td>\n<td style=\"width: 50%;\">\u4e00\u90e8\u5f37\u5236\uff08\u539a\u751f\u5e74\u91d1\uff09\uff0b\u4efb\u610f\uff08iDeCo\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 10%; text-align: center;\">\u904b\u7528<\/td>\n<td style=\"width: 40%;\">\u81ea\u5206\u3067\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076<\/td>\n<td style=\"width: 50%;\">iDeCo\u306f\u9078\u3079\u308b\u304c\u3001\u539a\u751f\u5e74\u91d1\u306f\u4e0d\u53ef<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 10%; text-align: center;\">\u62e0\u51fa<\/td>\n<td style=\"width: 40%;\">\u672c\u4eba\uff0b\u96c7\u7528\u4e3b\uff0b\u653f\u5e9c<\/td>\n<td style=\"width: 50%;\">\u30fb\u672c\u4eba\uff0b\u96c7\u7528\u4e3b\uff08\u539a\u751f\u5e74\u91d1\uff09<br \/>\n\u30fb\u672c\u4eba\u306e\u307f\uff08iDeCo\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 10%; text-align: center;\">\u5f15\u304d\u51fa\u3057<\/td>\n<td style=\"width: 40%;\">\u539f\u524765\u6b73\u301c<br \/>\n(\u4e00\u90e8\u4f8b\u5916\u3042\u308a)<\/td>\n<td style=\"width: 50%;\">\u30fb\u539f\u524760\u6b73\u301c\uff08iDeCo\uff09<br \/>\n\u30fb\u5e74\u91d1\u53d7\u7d66\uff08\u539a\u751f\u5e74\u91d1\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 10%; text-align: center;\">\u7a0e\u5236\u512a\u9047<\/td>\n<td style=\"width: 40%;\">\u62e0\u51fa\u3078\u306e\u7a0e\u5236\u30e1\u30ea\u30c3\u30c8\u306f\u9650\u5b9a\u7684<\/td>\n<td style=\"width: 50%;\">iDeCo\u306a\u3069\u306f\u6240\u5f97\u63a7\u9664\u3042\u308a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>1\u7ae0\u306e\u307e\u3068\u3081\uff1aKiwiSaver\u306f\u300c\u8caf\u91d1\u00d7\u6295\u8cc7\u00d7\u5e74\u91d1\u300d\u304c\u4e00\u4f53\u5316\u3057\u305f\u5236\u5ea6<\/h3>\n<p>KiwiSaver\u306f\u3001\u4ee5\u4e0b3\u3064\u306e\u52b9\u679c\u3092\u540c\u6642\u306b\u53f6\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3001\u975e\u5e38\u306b\u5b9f\u7528\u7684\u306a\u5236\u5ea6\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u5c06\u6765\u306e\u5e74\u91d1\u5bfe\u7b56<\/li>\n<li>\u521d\u3081\u3066\u306e\u4f4f\u5b85\u8cfc\u5165<\/li>\n<li>\u5b89\u5b9a\u7684\u306a\u8cc7\u7523\u5f62\u6210<\/li>\n<\/ul>\n<p>\u4e00\u65b9\u3067\u3001\u904b\u7528\u5148\u3084\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u9078\u3073\u306b\u3088\u3063\u3066\u5c06\u6765\u306e\u53d7\u53d6\u984d\u306b\u5dee\u304c\u51fa\u308b\u305f\u3081\u3001\u4ed5\u7d44\u307f\u3092\u6b63\u3057\u304f\u7406\u89e3\u3057\u305f\u3046\u3048\u3067\u306e\u5224\u65ad\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u5b9f\u969b\u306bKiwiSaver\u306b\u52a0\u5165\u3059\u308b\u306b\u306f\u3069\u3046\u3059\u308c\u3070\u3044\u3044\u306e\u304b\u3001\u52a0\u5165\u6761\u4ef6\u3084\u62e0\u51fa\u306e\u4ed5\u7d44\u307f\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h2 id=\"2\">2. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306e\u5e74\u91d1\u5236\u5ea6\uff01KiwiSaver\u306e\u52a0\u5165\u6761\u4ef6\u3068\u4ed5\u7d44\u307f<\/h2>\n<p>KiwiSaver\u306f\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306b\u4f4f\u3093\u3067\u3044\u308b\u4eba\u3067\u3042\u308c\u3070\u5e83\u304f\u52a0\u5165\u3067\u304d\u308b\u5236\u5ea6\u3067\u3059\u304c\u3001\u5e74\u9f62\u3084\u5c45\u4f4f\u30b9\u30c6\u30fc\u30bf\u30b9\u3001\u96c7\u7528\u5f62\u614b\u306b\u3088\u3063\u3066\u52a0\u5165\u65b9\u6cd5\u304c\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u62e0\u51fa\uff08\u7a4d\u7acb\uff09\u306e\u4ed5\u7d44\u307f\u3082\u30e6\u30cb\u30fc\u30af\u3067\u3001\u300c\u81ea\u5206\u300d\u300c\u96c7\u7528\u4e3b\u300d\u300c\u653f\u5e9c\u300d\u306e3\u8005\u304c\u95a2\u308f\u308b\u5f62\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001KiwiSaver\u306e\u52a0\u5165\u6761\u4ef6\u3084\u52a0\u5165\u306e\u6d41\u308c\u3001\u305d\u3057\u3066\u62e0\u51fa\u91d1\u306e\u4ed5\u7d44\u307f\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u898b\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h3>2-1. \u52a0\u5165\u5bfe\u8c61\u8005<\/h3>\n<p>KiwiSaver\u306b\u52a0\u5165\u3067\u304d\u308b\u306e\u306f\u3001\u4ee5\u4e0b\u306e\u6761\u4ef6\u3092\u6e80\u305f\u3059\u4eba\u3067\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>\u6761\u4ef6<\/strong><\/td>\n<td style=\"width: 80%; background-color: #fafade; text-align: center;\"><strong>\u5185\u5bb9<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center;\">\u5e74\u9f62<\/td>\n<td style=\"width: 80%; text-align: center;\">\u539f\u524718\u6b73\u301c64\u6b73<br \/>\n\uff0815\u6b73\u4ee5\u4e0a\u3067\u4efb\u610f\u52a0\u5165\u3082\u53ef\u80fd\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center;\">\u5c45\u4f4f\u5730<\/td>\n<td style=\"width: 80%; text-align: center;\">\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306b\u5c45\u4f4f\u3057\u3066\u3044\u308b\u3053\u3068<br \/>\n\uff08\u6c38\u4f4f\u6a29\u30fb\u5e02\u6c11\u6a29\u4fdd\u6301\u8005\u304c\u5bfe\u8c61\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%; text-align: center;\">\u96c7\u7528\u5f62\u614b<\/td>\n<td style=\"width: 80%; text-align: center;\">\u96c7\u7528\u5f62\u614b\u3092\u554f\u308f\u305a\u52a0\u5165\u53ef\u80fd<br \/>\n\uff08\u6b63\u793e\u54e1\u30fb\u30d1\u30fc\u30c8\u30bf\u30a4\u30e0\u30fb\u5951\u7d04\u793e\u54e1\u306a\u3069\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u203b\u5c31\u52b4\u3057\u3066\u3044\u306a\u3044\u4eba\uff08\u4f8b\uff1a\u5b66\u751f\u30fb\u4e3b\u5a66\uff09\u3067\u3082\u3001\u81ea\u4e3b\u7684\u306b\u62e0\u51fa\u3059\u308b\u5f62\u3067\u52a0\u5165\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<h3>2-2. \u52a0\u5165\u65b9\u6cd5\uff1a\u81ea\u52d5\u52a0\u5165\u3068\u4efb\u610f\u52a0\u5165\u306e\u9055\u3044<\/h3>\n<h4>\u25a0 \u81ea\u52d5\u52a0\u5165\uff08Auto-enrolment\uff09<\/h4>\n<ul>\n<li>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u56fd\u5185\u306e\u96c7\u7528\u4e3b\u306b\u65b0\u3057\u304f\u96c7\u308f\u308c\u305f18\u301c64\u6b73\u306e\u52b4\u50cd\u8005\u306f\u3001KiwiSaver\u306b\u81ea\u52d5\u7684\u306b\u52a0\u5165\u3055\u308c\u307e\u3059\u3002<\/li>\n<li>\u305f\u3060\u3057\u300128\u65e5\u4ee5\u5185\u3067\u3042\u308c\u3070\u300c\u30aa\u30d7\u30c8\u30a2\u30a6\u30c8\uff08\u8131\u9000\uff09\u300d\u53ef\u80fd\u3067\u3059\u3002<\/li>\n<\/ul>\n<h4>\u25a0 \u4efb\u610f\u52a0\u5165\uff08Opt-in\uff09<\/h4>\n<ul>\n<li>\u65b0\u898f\u96c7\u7528\u3067\u306f\u306a\u3044\u4eba\uff08\u65e2\u306b\u96c7\u7528\u3055\u308c\u3066\u3044\u308b\u4eba\u3084\u81ea\u55b6\u696d\u8005\u306a\u3069\uff09\u306f\u3001KiwiSaver\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u81ea\u5206\u3067\u9078\u3073\u3001\u81ea\u767a\u7684\u306b\u52a0\u5165\u624b\u7d9a\u304d\u3092\u884c\u3046\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<li>IRD\uff08Inland Revenue\uff09\u3084\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u7d4c\u7531\u3067\u7533\u3057\u8fbc\u307f\u304c\u53ef\u80fd\u3067\u3059\u3002<\/li>\n<\/ul>\n<h3>2-3. \u62e0\u51fa\u91d1\u306e\u4ed5\u7d44\u307f\uff1a3\u8005\u304b\u3089\u306e\u7a4d\u7acb\u304c\u57fa\u672c<\/h3>\n<p>KiwiSaver\u306e\u7a4d\u7acb\u306f\u3001\u4ee5\u4e0b\u306e3\u8005\u304b\u3089\u884c\u308f\u308c\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 20%; background-color: #fafade; text-align: center;\"><strong>\u62e0\u51fa\u8005<\/strong><\/td>\n<td style=\"width: 8%; background-color: #fafade; text-align: center;\"><strong>\u62e0\u51fa\u5185\u5bb9<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%;\">\u672c\u4eba\uff08\u5f93\u696d\u54e1\uff09<\/td>\n<td style=\"width: 80%;\">\u7d66\u4e0e\u304b\u3089<br \/>\n3%\u30014%\u30016%\u30018%\u300110% \u306e\u3044\u305a\u308c\u304b\u3092\u9078\u629e\u3057\u3066\u62e0\u51fa<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%;\">\u96c7\u7528\u4e3b<\/td>\n<td style=\"width: 80%;\">\u5f93\u696d\u54e1\u306e\u7d66\u4e0e\u306e\u6700\u4f4e3%\u3092\u62e0\u51fa<br \/>\n\uff08\u6cd5\u5b9a\u7fa9\u52d9\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 20%;\">\u653f\u5e9c<\/td>\n<td style=\"width: 80%;\">\u5e74\u6700\u5927 NZD 521.43 \u306e\u300cMember Tax Credit\u300d\u3092\u652f\u7d66<br \/>\n\uff08\u6761\u4ef6\u3042\u308a\uff09<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4>\u25a0 \u62e0\u51fa\u7387\u306e\u5909\u66f4<\/h4>\n<p>\u62e0\u51fa\u7387\u306f\u5e741\u56de\u307e\u3067\u81ea\u7531\u306b\u5909\u66f4\u53ef\u80fd\u3067\u3059\u3002\u81ea\u8eab\u306e\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb\u3084\u5bb6\u8a08\u72b6\u6cc1\u306b\u5fdc\u3058\u3066\u8abf\u6574\u3067\u304d\u307e\u3059\u3002<\/p>\n<h4>\u25a0 Member Tax Credit\uff08MTC\uff09\u306e\u6761\u4ef6<\/h4>\n<ul>\n<li>18\u6b73\u4ee5\u4e0a\u3067\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306b\u5c45\u4f4f\u3057\u3066\u3044\u308bKiwiSaver\u4f1a\u54e1\u304c\u5bfe\u8c61<\/li>\n<li>\u5e74\u9593NZD 1,042.86\u4ee5\u4e0a\u306e\u81ea\u5df1\u62e0\u51fa\u3092\u884c\u3046\u3068\u3001\u6700\u5927\u3067NZD 521.43\u306e\u653f\u5e9c\u88dc\u52a9\u3092\u53d7\u3051\u3089\u308c\u307e\u3059<\/li>\n<\/ul>\n<h3>2-4. \u81ea\u55b6\u696d\u8005\u3084\u672a\u96c7\u7528\u8005\u306e\u52a0\u5165<\/h3>\n<p>\u7d66\u4e0e\u6240\u5f97\u304c\u306a\u3044\u81ea\u55b6\u696d\u8005\u3001\u30d5\u30ea\u30fc\u30e9\u30f3\u30b9\u3001\u3042\u308b\u3044\u306f\u5c31\u696d\u3057\u3066\u3044\u306a\u3044\u4eba\u3067\u3082KiwiSaver\u306b\u306f\u52a0\u5165\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u305d\u306e\u5834\u5408\u306f\u3001\u81ea\u5206\u3067\u6c7a\u3081\u305f\u91d1\u984d\u3092\u81ea\u4e3b\u7684\u306b\u62e0\u51fa\u3059\u308b\u300c\u30dc\u30e9\u30f3\u30bf\u30ea\u30fc\u52a0\u5165\u300d\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p><strong>\u3010\u30dd\u30a4\u30f3\u30c8\u3011<\/strong><\/p>\n<ul>\n<li>\u81ea\u5206\u3067\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3068\u5951\u7d04\u3057\u3001\u53e3\u5ea7\u3092\u958b\u8a2d<\/li>\n<li>\u4efb\u610f\u306e\u91d1\u984d\u30fb\u983b\u5ea6\u3067\u62e0\u51fa\uff08\u6bce\u6708\u3001\u5e741\u56de\u306a\u3069\u81ea\u7531\uff09<\/li>\n<li>\u96c7\u7528\u4e3b\u62e0\u51fa\u306f\u306a\u3044\u304c\u3001\u653f\u5e9c\u306eMember Tax Credit\u306f\u5bfe\u8c61\u306b\u306a\u308b\uff08\u6761\u4ef6\u3092\u6e80\u305f\u305b\u3070\uff09<\/li>\n<\/ul>\n<h3>2\u7ae0\u306e\u307e\u3068\u3081\uff1aKiwiSaver\u306f\u67d4\u8edf\u6027\u306e\u9ad8\u3044\u7a4d\u7acb\u5236\u5ea6<\/h3>\n<p>KiwiSaver\u306f\u3001\u65e5\u672c\u306e\u5e74\u91d1\u5236\u5ea6\u3088\u308a\u3082\u52a0\u5165\u306e\u67d4\u8edf\u6027\u304c\u9ad8\u304f\u3001<\/p>\n<ul>\n<li>\u96c7\u7528\u3055\u308c\u3066\u3044\u308b\u4eba\u306f\u300c\u81ea\u52d5\u52a0\u5165\u300d<\/li>\n<li>\u3059\u3067\u306b\u50cd\u3044\u3066\u3044\u308b\u4eba\u3084\u81ea\u55b6\u696d\u8005\u306f\u300c\u4efb\u610f\u52a0\u5165\u300d<\/li>\n<li>\u62e0\u51fa\u7387\u306f\u81ea\u5206\u3067\u9078\u3079\u3001\u9014\u4e2d\u3067\u5909\u66f4\u3082\u53ef\u80fd \u3068\u3044\u3046\u7279\u9577\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<p>\u307e\u305f\u3001\u672c\u4eba\uff0b\u96c7\u7528\u4e3b\uff0b\u653f\u5e9c\u3068\u3044\u30463\u65b9\u5411\u304b\u3089\u306e\u7a4d\u7acb\u3068\u3044\u3046\u4ed5\u7d44\u307f\u306f\u3001\u4ed6\u56fd\u306e\u5236\u5ea6\u3068\u6bd4\u3079\u3066\u3082\u975e\u5e38\u306b\u30e6\u30cb\u30fc\u30af\u3067\u3059\u3002<\/p>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u3053\u306e\u62e0\u51fa\u3055\u308c\u305f\u8cc7\u91d1\u304c\u3069\u306e\u3088\u3046\u306b\u904b\u7528\u3055\u308c\u308b\u306e\u304b\u3001KiwiSaver\u30d5\u30a1\u30f3\u30c9\u306e\u7a2e\u985e\u3068\u305d\u306e\u9078\u3073\u65b9\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h2 id=\"3\">3. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306eKiwiSaver\u30d5\u30a1\u30f3\u30c9\uff5c\u7a2e\u985e\u3068\u904b\u7528\u30b9\u30bf\u30a4\u30eb<\/h2>\n<p>KiwiSaver\u306e\u5927\u304d\u306a\u7279\u5fb4\u306e\u3072\u3068\u3064\u306f\u3001\u300c\u52a0\u5165\u8005\u304c\u81ea\u5206\u3067\u6295\u8cc7\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3079\u308b\u300d\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u9078\u3093\u3060\u30d5\u30a1\u30f3\u30c9\u306b\u3088\u3063\u3066\u3001\u8cc7\u7523\u306e\u5897\u3048\u65b9\u30fb\u6e1b\u308a\u65b9\u3001\u30ea\u30b9\u30af\u306e\u5ea6\u5408\u3044\u3001\u5c06\u6765\u306e\u30ea\u30bf\u30fc\u30f3\u304c\u5927\u304d\u304f\u5909\u308f\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001KiwiSaver\u30d5\u30a1\u30f3\u30c9\u306e\u57fa\u672c\u7684\u306a\u7a2e\u985e\u3068\u3001\u305d\u308c\u305e\u308c\u306e\u904b\u7528\u30b9\u30bf\u30a4\u30eb\u3001\u9078\u3073\u65b9\u306e\u30dd\u30a4\u30f3\u30c8\u306b\u3064\u3044\u3066\u308f\u304b\u308a\u3084\u3059\u304f\u6574\u7406\u3057\u307e\u3059\u3002<\/p>\n<h3>3-1. \u30d5\u30a1\u30f3\u30c9\u306e\u904b\u7528\u30bf\u30a4\u30d7\u306f\u4e3b\u306b5\u7a2e\u985e<\/h3>\n<p>KiwiSaver\u30d5\u30a1\u30f3\u30c9\u306f\u3001\u4e3b\u306b\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u30ea\u30b9\u30af\u30fb\u30ea\u30bf\u30fc\u30f3\u306e\u9055\u3044\u306b\u5fdc\u3058\u3066\u5206\u985e\u3055\u308c\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 25%; background-color: #fafade; text-align: center;\"><strong>\u30d5\u30a1\u30f3\u30c9\u30bf\u30a4\u30d7<\/strong><\/td>\n<td style=\"width: 25%; background-color: #fafade; text-align: center;\"><strong>\u4e3b\u306a\u7279\u5fb4<\/strong><\/td>\n<td style=\"width: 25%; background-color: #fafade; text-align: center;\"><strong>\u6295\u8cc7\u5bfe\u8c61\u306e\u4f8b<\/strong><\/td>\n<td style=\"width: 25%; background-color: #fafade; text-align: center;\"><strong>\u5411\u3044\u3066\u3044\u308b\u4eba<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">Conservative<br \/>\n\uff08\u4fdd\u5b88\u578b\uff09<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30ea\u30b9\u30af\u304c\u4f4e\u304f\u5b89\u5b9a\u91cd\u8996<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u56fd\u50b5<br \/>\n\u30fb\u9810\u91d1<br \/>\n\u30fb\u9ad8\u683c\u4ed8\u3051\u50b5\u5238\u306a\u3069<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u30ea\u30b9\u30af\u3092\u6700\u5c0f\u9650\u306b\u3057\u305f\u3044\u4eba<br \/>\n\u30fb\u5f15\u304d\u51fa\u3057\u304c\u8fd1\u3044\u4eba<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">Moderate<br \/>\n\uff08\u3084\u3084\u4fdd\u5b88\uff09<\/td>\n<td style=\"width: 25%; text-align: left;\">\u3084\u3084\u5b89\u5b9a\u3057\u3064\u3064\u6210\u9577\u3082\u72d9\u3046<\/td>\n<td style=\"width: 25%; text-align: left;\">\u50b5\u5238\uff0b\u4e00\u90e8\u682a\u5f0f<\/td>\n<td style=\"width: 25%; text-align: left;\">\u5b89\u5b9a\u3068\u6210\u9577\u306e\u30d0\u30e9\u30f3\u30b9\u3092\u53d6\u308a\u305f\u3044\u4eba<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">Balanced<br \/>\n\uff08\u30d0\u30e9\u30f3\u30b9\u578b\uff09<\/td>\n<td style=\"width: 25%; text-align: left;\">\u50b5\u5238\u3068\u682a\u5f0f\u304c\u534a\u3005\u7a0b\u5ea6<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u50b5\u5238<br \/>\n\u30fb\u682a\u5f0f<br \/>\n\u30fb\u4e0d\u52d5\u7523\u306a\u3069<\/td>\n<td style=\"width: 25%; text-align: left;\">\u4e2d\u9577\u671f\u3067\u8cc7\u7523\u3092\u5897\u3084\u3057\u305f\u3044\u4eba<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">Growth<br \/>\n\uff08\u6210\u9577\u578b\uff09<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30ea\u30b9\u30af\u3092\u53d6\u3063\u3066\u9ad8\u30ea\u30bf\u30fc\u30f3\u3092\u72d9\u3046<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u682a\u5f0f<br \/>\n\u30fb\u4e0d\u52d5\u7523<br \/>\n\u30fb\u30a4\u30f3\u30d5\u30e9\u306a\u3069<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u82e5\u5e74\u5c64<br \/>\n\u30fb\u9577\u671f\u904b\u7528\u304c\u524d\u63d0\u306e\u4eba<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 25%; text-align: center;\">Aggressive<br \/>\n\uff08\u7a4d\u6975\u578b\uff09<\/td>\n<td style=\"width: 25%; text-align: left;\">\u307b\u307c\u682a\u5f0f\u4e2d\u5fc3\u306e\u30cf\u30a4\u30ea\u30b9\u30af\u904b\u7528<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u56fd\u5185\u5916\u682a\u5f0f<br \/>\n\u30fb\u65b0\u8208\u56fd\u8cc7\u7523\u306a\u3069<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u5024\u52d5\u304d\u3092\u8a31\u5bb9\u3067\u304d\u308b\u4eba\u30fb<br \/>\n\u8cc7\u7523\u62e1\u5927\u3092\u72d9\u3046\u4eba<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u203b\u30d5\u30a1\u30f3\u30c9\u540d\u306f\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u304c\u3001\u4e0a\u8a18\u306f\u4ee3\u8868\u7684\u306a\u5206\u985e\u3067\u3059\u3002<\/p>\n<h3>3-2. \u30d5\u30a1\u30f3\u30c9\u9078\u3073\u304cKiwiSaver\u306e\u6210\u679c\u3092\u5927\u304d\u304f\u5de6\u53f3\u3059\u308b<\/h3>\n<p>KiwiSaver\u3067\u306f\u3001\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u9078\u3076\u3060\u3051\u3067\u306a\u304f\u3001\u3069\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u304b\u3082\u81ea\u7531\u3067\u3059\u3002<\/p>\n<p>\u3053\u308c\u306f\u300c\u5c06\u6765\u306e\u8cc7\u7523\u5f62\u6210\u3092\u81ea\u5206\u3067\u8a2d\u8a08\u3067\u304d\u308b\u300d\u3068\u3044\u3046\u5f37\u307f\u3067\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u300120\u4ee3\u3067\u5f15\u304d\u51fa\u3057\u307e\u306740\u5e74\u4ee5\u4e0a\u3042\u308b\u4eba\u304c\u4fdd\u5b88\u578b\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3093\u3067\u3057\u307e\u3046\u3068\u3001\u8cc7\u7523\u304c\u307b\u3068\u3093\u3069\u5897\u3048\u306a\u3044\u307e\u307e\u306b\u306a\u3063\u3066\u3057\u307e\u3046\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u9006\u306b\u300160\u6b73\u8fd1\u304f\u3067\u9ad8\u30ea\u30b9\u30af\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u3068\u3001\u5f15\u304d\u51fa\u3057\u76f4\u524d\u306b\u5e02\u5834\u304c\u66b4\u843d\u3057\u3066\u3057\u307e\u3046\u30ea\u30b9\u30af\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<h4>Q. \u5931\u6557\u3057\u306a\u3044\u305f\u3081\u306e\u30d5\u30a1\u30f3\u30c9\u9078\u3073\u306e\u30b3\u30c4\u306f\uff1f<\/h4>\n<p>KiwiSaver\u3067\u5931\u6557\u3057\u306a\u3044\u305f\u3081\u306b\u306f\u3001\u81ea\u8eab\u306e<strong>\u4ee5\u4e0b\u306e\u8981\u7d20<\/strong>\u306b\u610f\u8b58\u3057\u3066\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>\u5e74\u9f62<\/strong><\/span><br \/>\n\uff08\u6b8b\u308a\u306e\u904b\u7528\u671f\u9593\uff09<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u5f15\u304d\u51fa\u3057\u4e88\u5b9a\u306e\u30bf\u30a4\u30df\u30f3\u30b0<\/strong><\/span><br \/>\n\uff08\u4f4f\u5b85\u8cfc\u5165 or \u9000\u8077\u5f8c\uff09<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6<\/strong><\/span><br \/>\n\uff08\u4fa1\u683c\u5909\u52d5\u306b\u5bfe\u3059\u308b\u4e0d\u5b89\u306e\u5f37\u3055\uff09<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u6295\u8cc7\u7d4c\u9a13\u30fb\u77e5\u8b58\u306e\u6709\u7121<\/strong><\/span><\/li>\n<\/ul>\n<h3>3-3. \u30d5\u30a1\u30f3\u30c9\u306f\u3044\u3064\u3067\u3082\u81ea\u7531\u306b\u5909\u66f4\u3067\u304d\u308b<\/h3>\n<p>KiwiSaver\u306e\u30d5\u30a1\u30f3\u30c9\u306f\u3001\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u5185\u3067\u3082\u81ea\u7531\u306b\u5909\u66f4\u3067\u304d\u308b\u306e\u3082\u5927\u304d\u306a\u7279\u5fb4\u306e1\u3064\u3067\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u67d4\u8edf\u306a\u8abf\u6574\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u4f8b1\uff1a\u300cBalanced\u30d5\u30a1\u30f3\u30c9\u304b\u3089Growth\u30d5\u30a1\u30f3\u30c9\u3078\u5207\u308a\u66ff\u3048\u308b\u300d<\/li>\n<li>\u4f8b2\uff1a\u300c\u9000\u8077\u304c\u8fd1\u3065\u3044\u305f\u306e\u3067Conservative\u30d5\u30a1\u30f3\u30c9\u3078\u79fb\u3059\u300d\u306a\u3069\u306e<\/li>\n<\/ul>\n<p>\u307e\u305f\u3001\u30d5\u30a1\u30f3\u30c9\u5909\u66f4\u306f\u591a\u304f\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u304c\u30aa\u30f3\u30e9\u30a4\u30f3\u304b\u3089\u7c21\u5358\u306b\u7533\u8acb\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<h3>3-4. \u904b\u7528\u5b9f\u7e3e\u3082\u9078\u3076\u30dd\u30a4\u30f3\u30c8\u306e\u3072\u3068\u3064<\/h3>\n<p>\u5404\u30d5\u30a1\u30f3\u30c9\u306e\u904e\u53bb\u306e\u904b\u7528\u5b9f\u7e3e\uff08\u5e74\u7387\u30ea\u30bf\u30fc\u30f3\uff09\u306f\u3001\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3084\u72ec\u7acb\u6a5f\u95a2\u306e\u6bd4\u8f03\u30b5\u30a4\u30c8\u306a\u3069\u3067\u516c\u8868\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u904e\u53bb\u306e\u5b9f\u7e3e\uff1d\u5c06\u6765\u306e\u6210\u7e3e\u3092\u4fdd\u8a3c\u3059\u308b\u3082\u306e\u3067\u306f\u306a\u3044\u305f\u3081\u3001\u3042\u304f\u307e\u3067\u53c2\u8003\u3068\u3057\u3066\u4f7f\u3044\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u305d\u308c\u3088\u308a\u3082\u3001\u81ea\u5206\u306e\u76ee\u7684\u3068\u904b\u7528\u671f\u9593\u306b\u5408\u3063\u305f\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u3053\u3068\u306e\u65b9\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<h3>3\u7ae0\u306e\u307e\u3068\u3081\uff1a\u30d5\u30a1\u30f3\u30c9\u9078\u3073\u306f\u300c\u4eca\u306e\u81ea\u5206\u300d\u3068\u300c\u5c06\u6765\u306e\u76ee\u7684\u300d\u306b\u5408\u308f\u305b\u3066<\/h3>\n<p>KiwiSaver\u3067\u306f\u3001\u81ea\u5206\u306b\u3068\u3063\u3066\u6700\u9069\u306a\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3079\u308b\u3068\u3044\u3046\u81ea\u7531\u304c\u3042\u308a\u307e\u3059\u3002\u2028\u305d\u308c\u306f\u540c\u6642\u306b\u3001\u300c\u9078\u629e\u306e\u8cac\u4efb\u300d\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 50%; background-color: #fafade; text-align: center;\"><strong>\u3042\u306a\u305f\u304c\u2026<\/strong><\/td>\n<td style=\"width: 50%; background-color: #fafade; text-align: center;\"><strong>\u304a\u3059\u3059\u3081\u30d5\u30a1\u30f3\u30c9<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">\u82e5\u304f\u3066\u904b\u7528\u671f\u9593\u304c\u9577\u3044<\/td>\n<td style=\"width: 50%; text-align: center;\">Growth \u301c Aggressive<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">\u4e2d\u5e74\u671f\u30fb\u4f4f\u5b85\u8cfc\u5165\u3092\u6570\u5e74\u5185\u306b\u63a7\u3048\u3066\u3044\u308b<\/td>\n<td style=\"width: 50%; text-align: center;\">Balanced \u301c Moderate<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">\u5f15\u304d\u51fa\u3057\u304c\u8fd1\u3044\u30fb\u30ea\u30b9\u30af\u304c\u4e0d\u5b89<\/td>\n<td style=\"width: 50%; text-align: center;\">Conservative<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u3053\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u300c\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\uff08\u904b\u7528\u4f1a\u793e\uff09\u300d\u306e\u9078\u3073\u65b9\u3068\u3001\u5b9f\u969b\u306b\u3069\u3093\u306a\u4f01\u696d\u304c\u3042\u308b\u306e\u304b\u3092\u6bd4\u8f03\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p>\u3069\u306e\u4f1a\u793e\u3092\u901a\u3057\u3066\u904b\u7528\u3059\u308b\u304b\u3082\u3001\u8cc7\u7523\u306e\u6210\u9577\u306b\u5927\u304d\u304f\u95a2\u308f\u3063\u3066\u304f\u308b\u91cd\u8981\u306a\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002<\/p>\n<h2 id=\"4\">4. \u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306eKiwiSaver\uff5c\u5f15\u304d\u51fa\u3057\u30eb\u30fc\u30eb\u3068\u30bf\u30a4\u30df\u30f3\u30b0<\/h2>\n<p>KiwiSaver\u306f\u300c\u8001\u5f8c\u8cc7\u91d1\u3092\u4f5c\u308b\u5236\u5ea6\u300d\u3067\u3042\u308b\u305f\u3081\u3001\u57fa\u672c\u7684\u306b\u306f65\u6b73\u4ee5\u964d\u306b\u5f15\u304d\u51fa\u3059\u306e\u304c\u539f\u5247\u3067\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u7279\u5b9a\u306e\u6761\u4ef6\u3092\u6e80\u305f\u3059\u5834\u5408\u306b\u306f\u3001\u305d\u308c\u3088\u308a\u524d\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u3059\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001\u5f15\u304d\u51fa\u3057\u53ef\u80fd\u306a\u30bf\u30a4\u30df\u30f3\u30b0\u3068\u305d\u306e\u6761\u4ef6\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h3>4-1. \u539f\u5247\u306f65\u6b73\u4ee5\u964d\u306b\u5f15\u304d\u51fa\u3057\u53ef\u80fd<\/h3>\n<p>KiwiSaver\u3067\u306f\u3001\u4ee5\u4e0b\u306e\u6761\u4ef6\u3092\u6e80\u305f\u3059\u3068\u3044\u3064\u3067\u3082\u81ea\u7531\u306b\u5f15\u304d\u51fa\u3057\u304c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<ul>\n<li>65\u6b73\u4ee5\u4e0a\u3067\u3042\u308b<\/li>\n<li>\u52a0\u5165\u304b\u30895\u5e74\u4ee5\u4e0a\u304c\u7d4c\u904e\u3057\u3066\u3044\u308b<br \/>\n\uff08<span style=\"text-decoration: underline;\">\u203b2019\u5e747\u67081\u65e5\u4ee5\u964d\u306e\u52a0\u5165\u8005\u306b\u306f\u3053\u306e\u30eb\u30fc\u30eb\u306f\u9069\u7528\u3055\u308c\u306a\u3044<\/span>\uff09<\/li>\n<\/ul>\n<p>\u5f15\u304d\u51fa\u3057\u65b9\u6cd5\u306f\u4e00\u62ec\u30fb\u5206\u5272\u30fb\u5b9a\u671f\u6255\u3044\u306a\u3069\u9078\u3079\u308b\u305f\u3081\u3001\u81ea\u5206\u306e\u30e9\u30a4\u30d5\u30d7\u30e9\u30f3\u306b\u5408\u308f\u305b\u3066\u67d4\u8edf\u306b\u4f7f\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<h3>4-2. \u4f4f\u5b85\u8cfc\u5165\u306e\u305f\u3081\u306e\u5f15\u304d\u51fa\u3057<\/h3>\n<p>KiwiSaver\u306e\u5927\u304d\u306a\u7279\u5fb4\u306e\u3072\u3068\u3064\u304c\u3001\u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u6642\u306b\u8cc7\u91d1\u3092\u5f15\u304d\u51fa\u305b\u308b\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u3053\u308c\u306f\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u653f\u5e9c\u304c\u300c\u81ea\u7acb\u3057\u305f\u66ae\u3089\u3057\uff1d\u4f4f\u5b85\u6240\u6709\u300d\u3092\u652f\u63f4\u3059\u308b\u305f\u3081\u306b\u5c0e\u5165\u3057\u305f\u7279\u5225\u30eb\u30fc\u30eb\u3067\u3059\u3002<\/p>\n<h4>\u5f15\u304d\u51fa\u3057\u306e\u6761\u4ef6\uff1a<\/h4>\n<ul>\n<li>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u56fd\u5185\u3067\u521d\u3081\u3066\u4f4f\u5b85\u3092\u8cfc\u5165\u3059\u308b\u3053\u3068\uff08&#8221;First Home&#8221;\uff09<\/li>\n<li>\u5c11\u306a\u304f\u3068\u30823\u5e74\u9593KiwiSaver\u306b\u52a0\u5165\u30fb\u62e0\u51fa\u3057\u3066\u3044\u308b<\/li>\n<li>\u6b8b\u9ad8\u306e\u3046\u3061 NZD 1,000 \u3092\u9664\u3044\u305f\u5168\u984d\u3092\u5f15\u304d\u51fa\u305b\u308b<\/li>\n<\/ul>\n<h4>\u6ce8\u610f\u70b9\uff1a<\/h4>\n<ul>\n<li>\u4f7f\u7528\u76ee\u7684\u304c\u300c\u81ea\u5206\u304c\u4f4f\u3080\u5bb6\u300d\u3067\u3042\u308b\u3053\u3068\uff08\u6295\u8cc7\u7269\u4ef6\u306f\u5bfe\u8c61\u5916\uff09<\/li>\n<li>First Home Grant\uff08\u6700\u5927NZD 10,000\u306e\u88dc\u52a9\u91d1\uff09\u3068\u4f75\u7528\u53ef\u80fd<\/li>\n<\/ul>\n<h3>4-3. \u6c38\u4f4f\u6a29\u653e\u68c4\u30fb\u6d77\u5916\u79fb\u4f4f\u6642\u306e\u5f15\u304d\u51fa\u3057<\/h3>\n<p>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u304b\u3089\u6c38\u4f4f\u7684\u306b\u51fa\u56fd\u3059\u308b\u5834\u5408\u3001KiwiSaver\u306e\u6b8b\u9ad8\u3092\u5f15\u304d\u51fa\u3059\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<h4>\u5bfe\u8c61\u3068\u306a\u308b\u30b1\u30fc\u30b9\uff1a<\/h4>\n<ul>\n<li>\u6c38\u4f4f\u6a29\u3092\u653e\u68c4\u3057\u3066\u56fd\u5916\u306b\u79fb\u4f4f\u3059\u308b<\/li>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u4ee5\u5916\u306e\u56fd\u306b1\u5e74\u4ee5\u4e0a\u7d99\u7d9a\u3057\u3066\u6ede\u5728\u3059\u308b\u4e88\u5b9a<\/li>\n<li>\u96e2\u8131\u304b\u308912\u30f6\u6708\u4ee5\u4e0a\u7d4c\u904e\u5f8c\u306b\u7533\u8acb<\/li>\n<\/ul>\n<h4>\u5fc5\u8981\u66f8\u985e\u4f8b\uff1a<\/h4>\n<ul>\n<li>\u6d77\u5916\u79fb\u4f4f\u3092\u8a3c\u660e\u3059\u308b\u66f8\u985e\uff08\u822a\u7a7a\u5238\u30fb\u30d3\u30b6\u30fb\u6d77\u5916\u306e\u9280\u884c\u53e3\u5ea7\u306a\u3069\uff09<\/li>\n<li>\u7d0d\u7a0e\u8005\u756a\u53f7\u3084\u6240\u5728\u56fd\u3067\u306e\u5c45\u4f4f\u8a3c\u660e<\/li>\n<\/ul>\n<p>\u203b\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u79fb\u4f4f\u306e\u5834\u5408\u306fKiwiSaver\u306e\u8cc7\u91d1\u3092\u300c\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u306eSuperannuation\uff08\u5e74\u91d1\u5236\u5ea6\uff09\u300d\u306b\u79fb\u7ba1\u3059\u308b\u9078\u629e\u80a2\u304c\u3042\u308a\u307e\u3059\uff08Trans-Tasman Portability\uff09\u3002<\/p>\n<h3>4-4. \u7d4c\u6e08\u7684\u56f0\u96e3\u306b\u3088\u308b\u65e9\u671f\u5f15\u304d\u51fa\u3057<\/h3>\n<p>\u707d\u5bb3\u3001\u5931\u696d\u3001\u6df1\u523b\u306a\u53ce\u5165\u6e1b\u306a\u3069\u306b\u3088\u308a\u751f\u6d3b\u306b\u6df1\u523b\u306a\u5f71\u97ff\u304c\u51fa\u3066\u3044\u308b\u5834\u5408\u3001\u4e00\u5b9a\u306e\u6761\u4ef6\u4e0b\u3067KiwiSaver\u3092\u65e9\u671f\u306b\u5f15\u304d\u51fa\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<h4>\u5bfe\u8c61\u3068\u306a\u308b\u72b6\u6cc1\u306e\u4f8b\uff1a<\/h4>\n<ul>\n<li>\u5bb6\u8cc3\u3084\u4f4f\u5b85\u30ed\u30fc\u30f3\u306e\u652f\u6255\u3044\u304c\u4e0d\u53ef\u80fd<\/li>\n<li>\u533b\u7642\u8cbb\u30fb\u751f\u6d3b\u5fc5\u9700\u8cbb\u304c\u8cc4\u3048\u306a\u3044<\/li>\n<li>\u501f\u91d1\u306a\u3069\u3067\u50b5\u52d9\u6574\u7406\u304c\u5fc5\u8981\u306a\u30ec\u30d9\u30eb<\/li>\n<\/ul>\n<h4>\u30dd\u30a4\u30f3\u30c8\uff1a<\/h4>\n<ul>\n<li>IRD\u307e\u305f\u306fKiwiSaver\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u901a\u3058\u3066\u7533\u8acb<\/li>\n<li>\u7533\u8acb\u5185\u5bb9\u306b\u306f\u8a73\u7d30\u306a\u8ca1\u52d9\u72b6\u6cc1\u306e\u8a3c\u660e\u304c\u5fc5\u8981\uff08\u901a\u5e33\u30fb\u8acb\u6c42\u66f8\u306a\u3069\uff09<\/li>\n<li>\u300c\u6700\u5c0f\u9650\u5fc5\u8981\u306a\u984d\u300d\u306e\u307f\u304c\u627f\u8a8d\u3055\u308c\u308b\u30b1\u30fc\u30b9\u304c\u591a\u3044<\/li>\n<\/ul>\n<h3>4-5. \u91cd\u5ea6\u306e\u75c5\u6c17\u30fb\u6b7b\u4ea1\u306e\u5834\u5408\u306e\u5f15\u304d\u51fa\u3057<\/h3>\n<p>\u4ee5\u4e0b\u306e\u5834\u5408\u306b\u3082\u3001KiwiSaver\u306e\u8cc7\u91d1\u3092\u65e9\u671f\u306b\u5f15\u304d\u51fa\u3059\u3053\u3068\u304c\u8a8d\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<h4>\u91cd\u5ea6\u306e\u75c5\u6c17\uff08Serious illness\uff09<\/h4>\n<ul>\n<li>\u5c31\u52b4\u4e0d\u80fd\u306a\u91cd\u5ea6\u306e\u75be\u75c5\uff08\u533b\u5e2b\u306e\u8a3a\u65ad\u304c\u5fc5\u8981\uff09<\/li>\n<li>\u6cbb\u7642\u306b\u591a\u984d\u306e\u8cbb\u7528\u3092\u8981\u3059\u308b\u30b1\u30fc\u30b9\u306a\u3069<\/li>\n<\/ul>\n<h4>\u6b7b\u4ea1\u6642<\/h4>\n<ul>\n<li>\u52a0\u5165\u8005\u304c\u4ea1\u304f\u306a\u3063\u305f\u5834\u5408\u3001\u305d\u306eKiwiSaver\u8cc7\u7523\u306f\u76f8\u7d9a\u4eba\u307e\u305f\u306f\u907a\u7523\u7ba1\u7406\u8005\u306b\u652f\u6255\u308f\u308c\u307e\u3059\u3002<\/li>\n<\/ul>\n<h3>4\u7ae0\u306e\u307e\u3068\u3081\uff1aKiwiSaver\u306e\u5f15\u304d\u51fa\u3057\u306f\u300c\u30bf\u30a4\u30df\u30f3\u30b0\u3068\u7406\u7531\u300d\u304c\u9375<\/h3>\n<p>KiwiSaver\u306f\u539f\u5247\u3068\u3057\u3066\u8001\u5f8c\u307e\u3067\u5f15\u304d\u51fa\u305b\u306a\u3044\u4ed5\u7d44\u307f\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u4f8b\u5916\u7684\u306b\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306b\u7279\u5225\u306a\u72b6\u6cc1\u306b\u9650\u3063\u3066\u306f\u65e9\u671f\u5f15\u304d\u51fa\u3057\u304c\u8a8d\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 30%; background-color: #fafade; text-align: center;\"><strong>\u5f15\u304d\u51fa\u3057\u7406\u7531<\/strong><\/td>\n<td style=\"width: 70%; background-color: #fafade; text-align: center;\"><strong>\u5f15\u304d\u51fa\u3057\u53ef\u80fd\u6761\u4ef6<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; text-align: center;\">\u8001\u5f8c\u8cc7\u91d1<\/td>\n<td style=\"width: 70%; text-align: center;\">65\u6b73\u4ee5\u964d\uff08\u81ea\u7531\u306b\u5f15\u304d\u51fa\u3057\u53ef\u80fd\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; text-align: center;\">\u521d\u3081\u3066\u306e\u4f4f\u5b85\u8cfc\u5165<\/td>\n<td style=\"width: 70%; text-align: center;\">\u52a0\u51653\u5e74\u4ee5\u4e0a\u3001\u81ea\u5206\u304c\u4f4f\u3080\u5bb6\u306e\u8cfc\u5165<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; text-align: center;\">\u6d77\u5916\u79fb\u4f4f<\/td>\n<td style=\"width: 70%; text-align: center;\">\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u6c38\u4f4f\u6a29\u653e\u68c4\uff0b12\u30f6\u6708\u7d4c\u904e<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; text-align: center;\">\u7d4c\u6e08\u7684\u56f0\u96e3<\/td>\n<td style=\"width: 70%; text-align: center;\">\u8ca1\u653f\u7684\u8a3c\u660e\u304c\u3042\u308a\u3001\u751f\u6d3b\u7dad\u6301\u304c\u56f0\u96e3\u306a\u5834\u5408<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; text-align: center;\">\u75c5\u6c17\u30fb\u6b7b\u4ea1<\/td>\n<td style=\"width: 70%; text-align: center;\">\u91cd\u5ea6\u306e\u75be\u75c5\u30fb\u6b7b\u4ea1\u6642\u306b\u672c\u4eba\u307e\u305f\u306f\u907a\u65cf\u304c\u53d7\u3051\u53d6\u308b<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001KiwiSaver\u3092\u65e5\u672c\u4eba\u304c\u5229\u7528\u3059\u308b\u969b\u306b\u7279\u306b\u6ce8\u610f\u3059\u3079\u304d\u70b9\u3084\u3001\u5236\u5ea6\u4e0a\u306e\u9055\u3044\u306b\u3088\u3063\u3066\u751f\u3058\u3084\u3059\u3044\u8aa4\u89e3\u3001\u7533\u544a\u30fb\u7a0e\u52d9\u4e0a\u306e\u6ce8\u610f\u70b9\u306b\u3064\u3044\u3066\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h2 id=\"5\">5. NZ\u5728\u4f4f\u65e5\u672c\u4eba\u304cKiwiSaver\u3092\u5229\u7528\u3059\u308b\u969b\u306e\u6ce8\u610f\u70b93\u3064<\/h2>\n<p>KiwiSaver\u306f\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u5c45\u4f4f\u8005\u3067\u3042\u308c\u3070\u57fa\u672c\u7684\u306b\u8ab0\u3067\u3082\u5229\u7528\u3067\u304d\u308b\u5236\u5ea6\u3067\u3059\u304c\u3001\u65e5\u672c\u4eba\u304c\u5229\u7528\u3059\u308b\u5834\u5408\u306b\u306f\u7279\u6709\u306e\u6ce8\u610f\u70b9\u3084\u8aa4\u89e3\u3057\u3084\u3059\u3044\u70b9\u304c\u3044\u304f\u3064\u304b\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u7279\u306b\u6ede\u5728\u30b9\u30c6\u30fc\u30bf\u30b9\u3084\u5c06\u6765\u306e\u5e30\u56fd\u4e88\u5b9a\u3001\u7a0e\u5236\u4e0a\u306e\u9055\u3044\u3092\u628a\u63e1\u3057\u3066\u3044\u306a\u3044\u3068\u3001\u601d\u308f\u306c\u30c8\u30e9\u30d6\u30eb\u3084\u640d\u5931\u306b\u3064\u306a\u304c\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001\u65e5\u672c\u4eba\u3068\u3057\u3066KiwiSaver\u306b\u52a0\u5165\u30fb\u5229\u7528\u3059\u308b\u969b\u306b\u62bc\u3055\u3048\u3066\u304a\u304d\u305f\u3044\u30dd\u30a4\u30f3\u30c8\u3092\u6574\u7406\u3057\u307e\u3059\u3002<\/p>\n<h3>5-1. \u6c38\u4f4f\u8005\u3068\u4e00\u6642\u6ede\u5728\u8005\u3067\u6271\u3044\u304c\u7570\u306a\u308b<\/h3>\n<h4>\u6c38\u4f4f\u6a29\u3092\u6301\u3064\u5834\u5408\uff1a<\/h4>\n<ul>\n<li>\u539f\u5247\u3068\u3057\u3066\u3001KiwiSaver\u306e\u30d5\u30eb\u6a5f\u80fd\u3092\u5229\u7528\u53ef\u80fd<\/li>\n<li>\u96c7\u7528\u4e3b\u62e0\u51fa\u30fb\u653f\u5e9c\u88dc\u52a9\uff08Member Tax Credit\uff09\u3082\u53d7\u3051\u3089\u308c\u308b<\/li>\n<li>\u5c06\u6765\u306e\u8001\u5f8c\u8cc7\u91d1\u30fb\u4f4f\u5b85\u8cfc\u5165\u8cc7\u91d1\u3068\u3057\u3066\u8a08\u753b\u7684\u306b\u6d3b\u7528\u53ef\u80fd<\/li>\n<\/ul>\n<h4>\u4e00\u6642\u6ede\u5728\u8005\uff08\u4f8b\uff1a\u30ef\u30fc\u30db\u30ea\u3001\u5c31\u52b4\u30d3\u30b6\uff09\u306e\u5834\u5408\uff1a<\/h4>\n<ul>\n<li>\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306b\u3088\u3063\u3066\u306f\u52a0\u5165\u5236\u9650\u3042\u308a<\/li>\n<li>\u6c38\u4f4f\u305b\u305a\u306b\u6570\u5e74\u3067\u65e5\u672c\u3078\u5e30\u56fd\u3059\u308b\u5834\u5408\u3001KiwiSaver\u306f\u539f\u5247\u305d\u306e\u307e\u307e\u306b\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\uff08\u5f15\u304d\u51fa\u3057\u306b\u306f\u6761\u4ef6\u3042\u308a\uff09<\/li>\n<li>\u5f15\u304d\u51fa\u3057\u306b\u306f\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3092\u96e2\u308c\u3066\u304b\u308912\u30f6\u6708\u4ee5\u4e0a\u7d4c\u904e\uff0b\u66f8\u985e\u63d0\u51fa\u304c\u5fc5\u8981<\/li>\n<\/ul>\n<h3>5-2. \u5e30\u56fd\u6642\u306e\u5f15\u304d\u51fa\u3057\u306b\u306f\u6761\u4ef6\u3068\u624b\u7d9a\u304d\u304c\u3042\u308b<\/h3>\n<p>\u65e5\u672c\u306b\u672c\u5e30\u56fd\u3059\u308b\u5834\u5408\u3067\u3082\u3001KiwiSaver\u3092\u3059\u3050\u306b\u5f15\u304d\u51fa\u305b\u308b\u3068\u306f\u9650\u308a\u307e\u305b\u3093\u3002<\/p>\n<h4>\u6761\u4ef6\uff1a<\/h4>\n<ul>\n<li>\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u3092\u6c38\u4f4f\u7684\u306b\u96e2\u308c\u308b\u3053\u3068<\/li>\n<li>\u30aa\u30fc\u30b9\u30c8\u30e9\u30ea\u30a2\u4ee5\u5916\u3078\u306e\u79fb\u4f4f\u3067\u3042\u308b\u3053\u3068<\/li>\n<li>\u51fa\u56fd\u304b\u308912\u30f6\u6708\u4ee5\u4e0a\u304c\u7d4c\u904e\u3057\u3066\u3044\u308b\u3053\u3068<\/li>\n<\/ul>\n<h4>\u624b\u7d9a\u304d\u306b\u5fc5\u8981\u306a\u66f8\u985e\u4f8b\uff1a<\/h4>\n<ul>\n<li>\u30d1\u30b9\u30dd\u30fc\u30c8\u30b3\u30d4\u30fc<\/li>\n<li>\u65e5\u672c\u306e\u5c45\u4f4f\u8a3c\u660e\uff08\u30de\u30a4\u30ca\u30f3\u30d0\u30fc\u30ab\u30fc\u30c9\u30fb\u4f4f\u6c11\u7968\u306a\u3069\uff09<\/li>\n<li>\u65e5\u672c\u306e\u9280\u884c\u53e3\u5ea7\u60c5\u5831<\/li>\n<li>\u51fa\u56fd\u65e5\u3092\u793a\u3059\u8a3c\u660e\uff08\u822a\u7a7a\u5238\u306a\u3069\uff09<\/li>\n<\/ul>\n<p>\u203b\u65e9\u671f\u5f15\u304d\u51fa\u3057\u306f\u300c\u653f\u5e9c\u88dc\u52a9\u5206\uff08MTC\uff09\u300d\u304c\u53d7\u3051\u53d6\u308c\u306a\u3044\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h3>5-3. \u5f15\u304d\u51fa\u3057\u8cc7\u91d1\u306e\u7a0e\u52d9\u7533\u544a\u306b\u3064\u3044\u3066<\/h3>\n<p>KiwiSaver\u306e\u5f15\u304d\u51fa\u3057\u91d1\u984d\u306f\u3001\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u56fd\u5185\u3067\u306f\u539f\u5247\u975e\u8ab2\u7a0e\u3067\u3059\u304c\u3001<strong>\u65e5\u672c\u306b\u5e30\u56fd\u3057\u305f\u5834\u5408\u306f\u3001\u65e5\u672c\u306e\u7a0e\u6cd5\u306b\u57fa\u3065\u304f\u7533\u544a\u304c\u5fc5\u8981\u306b\u306a\u308b\u53ef\u80fd\u6027<\/strong>\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h4>\u30dd\u30a4\u30f3\u30c8\uff1a<\/h4>\n<ul>\n<li>\u300c\u4e00\u6642\u6240\u5f97\u300d\u307e\u305f\u306f\u300c\u9000\u8077\u6240\u5f97\u300d\u3068\u3057\u3066\u6271\u308f\u308c\u308b\u30b1\u30fc\u30b9\u304c\u3042\u308b<\/li>\n<li>\u65e5\u672c\u306e\u78ba\u5b9a\u7533\u544a\u6642\u306b\u5831\u544a\u304c\u6c42\u3081\u3089\u308c\u308b\u5834\u5408\u304c\u3042\u308b<\/li>\n<li>\u5e74\u959320\u4e07\u5186\u3092\u8d85\u3048\u308b\u3068\u8ab2\u7a0e\u5bfe\u8c61\u306b\u306a\u308b\u53ef\u80fd\u6027\u3042\u308a\uff08\u96d1\u6240\u5f97\uff09<\/li>\n<\/ul>\n<p>\u306a\u304a\u3001\u65e5\u672c\u5074\u3067\u306e\u7a0e\u52d9\u51e6\u7406\u3092\u554f\u984c\u306a\u304f\u884c\u3046\u305f\u3081\u306b\u306f\u3001\u65e5\u672c\u306e\u7a0e\u7406\u58eb\u306b\u76f8\u8ac7\u3059\u308b\u306e\u304c\u78ba\u5b9f\u3067\u3059\u3002<\/p>\n<h3>5-4. \u65e5\u672c\u306e\u5e74\u91d1\u5236\u5ea6\u3068\u306f\u6027\u8cea\u304c\u7570\u306a\u308b<\/h3>\n<p>KiwiSaver\u306f\u300c\u500b\u4eba\u904b\u7528\u578b\u306e\u8cc7\u7523\u5f62\u6210\u5236\u5ea6\u300d\u3067\u3042\u308a\u3001\u65e5\u672c\u306e\u516c\u7684\u5e74\u91d1\uff08\u539a\u751f\u5e74\u91d1\u30fb\u56fd\u6c11\u5e74\u91d1\uff09\u3068\u306f\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u4ee5\u4e0b\u306e\u70b9\u3067\u6df7\u540c\u3057\u306a\u3044\u3088\u3046\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong>\u6bd4\u8f03\u9805\u76ee<\/strong><\/td>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong>KiwiSaver<\/strong><\/td>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong>\u65e5\u672c\u306e\u516c\u7684\u5e74\u91d1\u5236\u5ea6<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u52a0\u5165<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u4efb\u610f\uff08\u81ea\u52d5\u52a0\u5165\u3042\u308a\uff09<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u4e00\u90e8\u5f37\u5236\u52a0\u5165\uff08\u5c31\u52b4\u8005\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u904b\u7528<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u81ea\u7531\u306b\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u629e<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u539f\u5247\u3001\u653f\u5e9c\u304c\u7ba1\u7406<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u5f15\u304d\u51fa\u3057<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u539f\u524765\u6b73\u4ee5\u964d\uff0b\u4f8b\u5916\u3042\u308a<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u539f\u524765\u6b73\u4ee5\u964d\uff08\u5e74\u91d1\u5f62\u5f0f\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%; text-align: center;\">\u6d77\u5916\u79fb\u4f4f\u6642<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u6761\u4ef6\u4ed8\u304d\u3067\u5f15\u304d\u51fa\u3057\u53ef<\/td>\n<td style=\"width: 33.3333%; text-align: center;\">\u4fdd\u967a\u6599\u7d0d\u4ed8\u671f\u9593\u306b\u5fdc\u3058\u305f\u652f\u7d66<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>5-5. \u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u9078\u3073\u3067\u306f\u300c\u8a00\u8a9e\u30b5\u30dd\u30fc\u30c8\u300d\u3082\u91cd\u8981<\/h3>\n<p>KiwiSaver\u306e\u5951\u7d04\u3084\u904b\u7528\u3001\u5f15\u304d\u51fa\u3057\u306e\u624b\u7d9a\u304d\u306f\u3001\u3059\u3079\u3066\u82f1\u8a9e\u3067\u884c\u308f\u308c\u308b\u306e\u304c\u4e00\u822c\u7684\u3067\u3059\u3002<\/p>\n<p>\u305d\u306e\u305f\u3081\u3001\u65e5\u672c\u8a9e\u306b\u5bfe\u5fdc\u3057\u3066\u3044\u308b\u30b5\u30dd\u30fc\u30c8\u4f53\u5236\u306e\u3042\u308b\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u9078\u3076\u3068\u3001\u5b89\u5fc3\u3057\u3066\u5229\u7528\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u65e5\u672c\u8a9e\u306e\u30d1\u30f3\u30d5\u30ec\u30c3\u30c8\u3084FAQ\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u30b5\u30dd\u30fc\u30c8\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3082\u4e00\u90e8\u5b58\u5728\u3057\u307e\u3059\u3002<\/p>\n<blockquote><p><strong>\u3010\u65e5\u672c\u8a9e\u306e\u901a\u3058\u308b\u8cc7\u7523\u7ba1\u7406\u30a2\u30c9\u30d0\u30a4\u30b6\u30fc\u3011<\/strong><\/p>\n<p>\u30a2\u30b8\u30a2\u5411\u3051\u30b5\u30fc\u30d3\u30b9\u3092\u5c55\u958b\u3057\u3066\u3044\u308b\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u4e2d\u3067\u3082\u3001<strong>\u7279\u306b\u65e5\u672c\u8a9e\u3067\u306e\u3084\u308a\u3068\u308a\u3092\u5e0c\u671b\u3059\u308b\u4eba\u306b\u306f<a href=\"https:\/\/www.bancorp.co.nz\/\" target=\"_blank\" rel=\"noopener\">Bancorp<\/a>\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059<\/strong>\u3002<\/p>\n<p>KiwiSaver\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u8cc7\u7523\u7ba1\u7406\u306e\u7a93\u53e3\u3068\u3057\u3066\u3001<span style=\"text-decoration: underline;\"><strong>\u7d4c\u9a13\u8c4a\u5bcc\u306a\u65e5\u672c\u4eba\u30b9\u30bf\u30c3\u30d5\u3082\u5728\u7c4d\u3057\u3066\u3044\u308b\u305f\u3081\u5b89\u5fc3\u3057\u3066\u76f8\u8ac7\u3067\u304d\u307e\u3059<\/strong><\/span>\u3002<\/p>\n<p><strong>\u3010Bancorp Merchant Bankers \u516c\u5f0f\u30da\u30fc\u30b8\u3011<\/strong><br \/>\n<strong><a href=\"https:\/\/www.bancorp.co.nz\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bancorp.co.nz<\/a><\/strong><\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<h3>5\u7ae0\u306e\u307e\u3068\u3081\uff1aKiwiSaver\u3092\u5229\u7528\u3059\u308b\u65e5\u672c\u4eba\u306f\u300c\u51fa\u56fd\u30fb\u5f15\u304d\u51fa\u3057\u30fb\u7a0e\u52d9\u300d\u306e\u6e96\u5099\u304c\u30ab\u30ae<\/h3>\n<p>\u65e5\u672c\u4eba\u304cKiwiSaver\u3092\u4f7f\u3046\u969b\u306b\u7279\u306b\u6c17\u3092\u3064\u3051\u305f\u3044\u306e\u306f\u3001\u4ee5\u4e0b\u306e3\u3064\u3067\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 30%; background-color: #fafade; text-align: center;\"><strong>\u6ce8\u610f\u70b9<\/strong><\/td>\n<td style=\"width: 70%; background-color: #fafade; text-align: center;\"><strong>\u5185\u5bb9<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; text-align: center;\">\u5e30\u56fd\u6642\u306e\u5bfe\u5fdc<\/td>\n<td style=\"width: 70%;\">\u51fa\u56fd\u304b\u308912\u30f6\u6708\u7d4c\u904e\u5f8c\u3001\u5f15\u304d\u51fa\u3057\u53ef<br \/>\n\uff08\u203b\u66f8\u985e\u63d0\u51fa\u304c\u5fc5\u8981\uff09<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; text-align: center;\">\u7a0e\u52d9\u7533\u544a<\/td>\n<td style=\"width: 70%;\">\u65e5\u672c\u3067\u306e\u7533\u544a\u7fa9\u52d9\u304c\u751f\u3058\u308b\u53ef\u80fd\u6027\u3042\u308a<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 30%; text-align: center;\">\u30b5\u30dd\u30fc\u30c8\u4f53\u5236<\/td>\n<td style=\"width: 70%;\">\u30fb\u65e5\u672c\u8a9e\u5bfe\u5fdc\u306e\u6709\u7121<br \/>\n\u30fb\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u9078\u5b9a\u304c\u5b89\u5fc3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u3044\u3088\u3044\u3088KiwiSaver\u306e\u8cc7\u7523\u904b\u7528\u3092\u4efb\u305b\u308b\u300c\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u300d\u306e\u9078\u3073\u65b9\u3068\u3001\u4eba\u6c17\u306e\u3042\u308b\u5404\u793e\u306e\u6bd4\u8f03\u30fb\u304a\u3059\u3059\u3081\u306b\u3064\u3044\u3066\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002<\/p>\n<p>\u5c06\u6765\u306e\u53d7\u53d6\u984d\u3092\u5de6\u53f3\u3059\u308b\u91cd\u8981\u306a\u30b9\u30c6\u30c3\u30d7\u3067\u3059\u306e\u3067\u3001\u305c\u3072\u53c2\u8003\u306b\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<h2 id=\"6\">6. KiwiSaver\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u9078\u3073\u65b9\uff5c\u4eba\u6c17\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc9\u793e\u306e\u6bd4\u8f03<\/h2>\n<p>KiwiSaver\u306f\u3001\u3069\u306e\u30d5\u30a1\u30f3\u30c9\u306b\u6295\u8cc7\u3059\u308b\u304b\u3060\u3051\u3067\u306a\u304f\u3001\u3069\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\uff08\u904b\u7528\u4f1a\u793e\uff09\u3092\u9078\u3076\u304b\u306b\u3088\u3063\u3066\u3082\u904b\u7528\u6210\u7e3e\u3084\u4f7f\u3044\u52dd\u624b\u306b\u5927\u304d\u306a\u5dee\u304c\u51fa\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u9078\u3073\u306e\u30dd\u30a4\u30f3\u30c8\u3084\u3001\u4eba\u6c17\u306e\u3042\u308b\u4e3b\u8981\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u7279\u5fb4\u3092\u6bd4\u8f03\u3057\u306a\u304c\u3089\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h3>6-1. \u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3068\u306f\uff1f<\/h3>\n<p>KiwiSaver\u306b\u304a\u3051\u308b\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\uff08Provider\uff09\u3068\u306f\u3001\u52a0\u5165\u8005\u304c\u62e0\u51fa\u3057\u305f\u304a\u91d1\u3092\u7ba1\u7406\u30fb\u904b\u7528\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u306e\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3054\u3068\u306b\u63d0\u4f9b\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u306e\u7a2e\u985e\u3001\u624b\u6570\u6599\u3001\u6295\u8cc7\u65b9\u91dd\u3001\u30b5\u30dd\u30fc\u30c8\u4f53\u5236\u304c\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3>6-2. \u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u9078\u3073\u306e4\u3064\u306e\u30dd\u30a4\u30f3\u30c8<\/h3>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong>\u624b\u6570\u6599\u306e\u5b89\u3055<\/strong><\/span><br \/>\n\u2192 \u904b\u7528\u671f\u9593\u304c\u9577\u304f\u306a\u308b\u307b\u3069\u624b\u6570\u6599\u306e\u5dee\u306f\u5927\u304d\u306a\u5f71\u97ff\u306b\u3002<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u30d5\u30a1\u30f3\u30c9\u306e\u7a2e\u985e\u3068\u904b\u7528\u5b9f\u7e3e<\/strong><\/span><br \/>\n\u2192 \u81ea\u5206\u306e\u76ee\u7684\u3084\u30ea\u30b9\u30af\u8a31\u5bb9\u5ea6\u306b\u5408\u3063\u305f\u30d5\u30a1\u30f3\u30c9\u304c\u9078\u3079\u308b\u304b\u3069\u3046\u304b\u3002<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u30b5\u30dd\u30fc\u30c8\u4f53\u5236<\/strong><\/span><br \/>\n\u2192 \u65e5\u672c\u8a9e\u5bfe\u5fdc\u306e\u6709\u7121\u3001\u30a2\u30d7\u30ea\u3084\u30a6\u30a7\u30d6\u306e\u4f7f\u3044\u3084\u3059\u3055\u306a\u3069\u3082\u91cd\u8981\u3002<\/li>\n<li><span style=\"text-decoration: underline;\"><strong>\u502b\u7406\u7684\u6295\u8cc7\uff08\u30a8\u30b7\u30ab\u30eb\u6295\u8cc7\uff09<\/strong><\/span><br \/>\n\u2192 \u6b66\u5668\u30fb\u5316\u77f3\u71c3\u6599\u30fb\u30bf\u30d0\u30b3\u7523\u696d\u3092\u6392\u9664\u3057\u305f\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u3001\u793e\u4f1a\u7684\u4fa1\u5024\u3092\u91cd\u8996\u3059\u308b\u4eba\u5411\u3051\u3002<\/li>\n<\/ul>\n<h3>6-3. \u4eba\u6c17KiwiSaver\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc9\u793e\u306e\u6bd4\u8f03\u8868<\/h3>\n<p>2025\u5e74\u6642\u70b9\u3067\u4eba\u6c17\u306eKiwiSaver\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc9\u793e\u3092\u3001\u300c\u7279\u5fb4\u30fb\u624b\u6570\u6599\u30fb\u5411\u3044\u3066\u3044\u308b\u4eba\u300d\u3067\u6bd4\u8f03\u3059\u308b\u3068\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 15%; background-color: #fafade; text-align: center;\"><strong>\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc<\/strong><\/td>\n<td style=\"width: 28.333%; background-color: #fafade; text-align: center;\"><strong>\u7279\u5fb4<\/strong><\/td>\n<td style=\"width: 28.333%; background-color: #fafade; text-align: center;\"><strong>\u624b\u6570\u6599<br \/>\n\uff08\u53c2\u8003\uff09<\/strong><\/td>\n<td style=\"width: 28.333%; background-color: #fafade; text-align: center;\"><strong>\u5411\u3044\u3066\u3044\u308b\u4eba<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">ANZ<\/td>\n<td style=\"width: 25%; text-align: left;\">\u5927\u624b\u9280\u884c\u7cfb\u3067\u5b89\u5fc3\u611f\u3042\u308a<\/td>\n<td style=\"width: 25%; text-align: left;\">\u7d040.56%<br \/>\n\uff08Balanced\u306e\u5834\u5408\uff09<\/td>\n<td style=\"width: 25%; text-align: left;\">\u7ba1\u7406\u3057\u3084\u3059\u3055\uff06\u4fe1\u983c\u91cd\u8996<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">ASB<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30a2\u30d7\u30ea\u3084\u30cd\u30c3\u30c8\u7ba1\u7406\u304c\u3057\u3084\u3059\u3044<\/td>\n<td style=\"width: 25%; text-align: left;\">\u7d040.4\u301c0.6%<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u6d3b\u7528\u3057\u305f\u3044\u4eba<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">Simplicity<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u975e\u55b6\u5229<br \/>\n\u30fb\u4f4e\u624b\u6570\u6599\uff06\u30a8\u30b7\u30ab\u30eb\u904b\u7528<\/td>\n<td style=\"width: 25%; text-align: left;\">\u5e740.31%\uff0bNZ$20<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u30b3\u30b9\u30c8\u91cd\u8996<br \/>\n\u30fb\u30b7\u30f3\u30d7\u30eb\u5fd7\u5411<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">Milford<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30a2\u30af\u30c6\u30a3\u30d6\u904b\u7528\u3067\u9ad8\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9<\/td>\n<td style=\"width: 25%; text-align: left;\">\u5e740.8%\u524d\u5f8c<br \/>\n\uff08\u30d5\u30a1\u30f3\u30c9\u306b\u3088\u308a\u7570\u306a\u308b\uff09<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u30ea\u30bf\u30fc\u30f3\u3092\u72d9\u3044\u305f\u3044\u4e2d<br \/>\n\u30fb\u4e0a\u7d1a\u8005<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">Booster<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fbNZ\u56fd\u5185\u4f01\u696d\u652f\u63f4\u578b<br \/>\n\u30fb\u30d0\u30e9\u30f3\u30b9\u578b\u591a\u3044<\/td>\n<td style=\"width: 25%; text-align: left;\">\u7d040.5\u301c0.6%<\/td>\n<td style=\"width: 25%; text-align: left;\">\u5730\u5143\u91cd\u8996\uff06\u5b89\u5b9a\u5fd7\u5411\u306e\u4eba<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">Generate<\/td>\n<td style=\"width: 25%; text-align: left;\">\u6210\u9577\u30d5\u30a1\u30f3\u30c9\u306b\u5f37\u304f\u82e5\u5e74\u5c64\u306b\u4eba\u6c17<\/td>\n<td style=\"width: 25%; text-align: left;\">\u7d040.75\u301c1.0%<\/td>\n<td style=\"width: 25%; text-align: left;\">\u9577\u671f\u3067\u7a4d\u6975\u904b\u7528\u3057\u305f\u3044\u4eba<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">Kiwi Wealth<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fbKiwibank\u7cfb<br \/>\n\u30fb\u4e2d\u301c\u9577\u671f\u3067\u5805\u5b9f\u904b\u7528<\/td>\n<td style=\"width: 25%; text-align: left;\">\u7d040.5%\u524d\u5f8c<\/td>\n<td style=\"width: 25%; text-align: left;\">\u9280\u884c\u53e3\u5ea7\u3068\u306e\u9023\u643a\u304c\u4fbf\u5229<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">Fisher Funds<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u9867\u5ba2\u30b5\u30dd\u30fc\u30c8\u306b\u5b9a\u8a55<br \/>\n\u30fb\u904b\u7528\u6210\u7e3e\u3082\u5b89\u5b9a<\/td>\n<td style=\"width: 25%; text-align: left;\">\u7d040.6\u301c0.8%<\/td>\n<td style=\"width: 25%; text-align: left;\">\u521d\u5fc3\u8005\u301c\u30df\u30c9\u30eb\u5c64\u307e\u3067\u5bfe\u5fdc\u529b\u9ad8\u3044<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 15%; text-align: center;\">SuperLife<\/td>\n<td style=\"width: 25%; text-align: left;\">40\u7a2e\u985e\u4ee5\u4e0a\u306e\u30d5\u30a1\u30f3\u30c9\u304c\u9078\u3079\u308b<\/td>\n<td style=\"width: 25%; text-align: left;\">\u5e740.49%<br \/>\n\uff08\u6a19\u6e96\uff09<\/td>\n<td style=\"width: 25%; text-align: left;\">\u30fb\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u91cd\u8996<br \/>\n\u30fb\u4e0a\u7d1a\u8005\u5411\u3051<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u203b\u624b\u6570\u6599\u3084\u30d5\u30a1\u30f3\u30c9\u540d\u306f\u5909\u66f4\u306e\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u6700\u65b0\u60c5\u5831\u306f\u5404\u793e\u516c\u5f0f\u30b5\u30a4\u30c8\u306b\u3066\u3054\u78ba\u8a8d\u304f\u3060\u3055\u3044\u3002<\/p>\n<h3>6-4. \u65e5\u672c\u4eba\u306b\u304a\u3059\u3059\u3081\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306f\uff1f<\/h3>\n<p>KiwiSaver\u306f\u57fa\u672c\u7684\u306b\u82f1\u8a9e\u3067\u306e\u5951\u7d04\u30fb\u7ba1\u7406\u3067\u3059\u304c\u3001\u4f55\u3092\u91cd\u8996\u3059\u308b\u304b\u306b\u3088\u3063\u3066\u3001\u4f8b\u3048\u306a\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u9078\u3073\u65b9\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 40%; background-color: #fafade; text-align: center;\"><strong>\u91cd\u8996\u3059\u308b\u30dd\u30a4\u30f3\u30c8<\/strong><\/td>\n<td style=\"width: 60%; background-color: #fafade; text-align: center;\"><strong>\u304a\u3059\u3059\u3081\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 40%; text-align: center;\">\u624b\u6570\u6599\u306e\u5b89\u3055<\/td>\n<td style=\"width: 60%;\">\u30fbSimplicity<br \/>\n\u30fbSuperLife<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 40%; text-align: center;\">\u30b5\u30dd\u30fc\u30c8\u30fb\u4f7f\u3044\u3084\u3059\u3055<\/td>\n<td style=\"width: 60%;\">\u30fbANZ<br \/>\n\u30fbASB<br \/>\n\u30fbFisher Funds\u3001<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 40%; text-align: center;\">\u30a8\u30b7\u30ab\u30eb\u6295\u8cc7<\/td>\n<td style=\"width: 60%;\">\u30fbSimplicity<br \/>\n\u30fbBooster<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 40%; text-align: center;\">\u6210\u9577\u578b\u30fb\u9ad8\u30ea\u30bf\u30fc\u30f3\u5fd7\u5411<\/td>\n<td style=\"width: 60%;\">\u30fbMilford<br \/>\n\u30fbGenerate<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 40%; text-align: center;\">\u65e5\u672c\u8a9e\u5bfe\u5fdc\u306e\u5b89\u5fc3\u611f<\/td>\n<td style=\"width: 60%;\">Bancorp<br \/>\n\uff08\uff0a\uff09KiwiSaver\u63d0\u4f9b\u4f01\u696d\u3067\u306f\u306a\u3044\u304c\u3001\u8cc7\u7523\u7ba1\u7406\u306e\u7a93\u53e3\u3068\u3057\u3066\u76f8\u8ac7\u53ef\u80fd\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>6\u7ae0\u306e\u307e\u3068\u3081\uff1a\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u9078\u3073\u306f\u300c\u30b3\u30b9\u30c8\u300d\u300c\u4fe1\u983c\u6027\u300d\u300c\u76f8\u6027\u300d\u3067\u6c7a\u3081\u3088\u3046<\/h3>\n<p>KiwiSaver\u3067\u306f\u3001\u540c\u3058\u91d1\u984d\u3092\u7a4d\u307f\u7acb\u3066\u3066\u3082\u3001<\/p>\n<ul>\n<li><strong>\u3069\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u304b<\/strong><\/li>\n<li><strong>\u3069\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u9078\u3076\u304b<\/strong><\/li>\n<\/ul>\n<p>\u306b\u3088\u3063\u3066\u3001\u5c06\u6765\u306e\u53d7\u53d6\u984d\u306f\u5927\u304d\u304f\u5909\u308f\u3063\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>\u3060\u304b\u3089\u3053\u305d\u3001<\/p>\n<ul>\n<li><strong>\u81ea\u5206\u306e\u5e74\u9f62\u30fb\u76ee\u6a19\u30fb\u30e9\u30a4\u30d5\u30b9\u30bf\u30a4\u30eb<\/strong><\/li>\n<li><strong>\u30b5\u30dd\u30fc\u30c8\u306e\u5145\u5b9f\u5ea6\uff08\u82f1\u8a9e\u304c\u4e0d\u5b89\u306a\u5834\u5408\u306f\u7279\u306b\u91cd\u8981\uff09<\/strong><\/li>\n<li><strong>\u624b\u6570\u6599\u3084\u904e\u53bb\u306e\u6210\u7e3e<\/strong><\/li>\n<\/ul>\n<p>\u3092\u7dcf\u5408\u7684\u306b\u6bd4\u8f03\u3057\u3001\u300c\u81ea\u5206\u306b\u5408\u3063\u305f\u4e00\u793e\u300d\u3092\u9078\u3076\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n<p>\u6b21\u306e\u7ae0\u3067\u306f\u3001\u3053\u308c\u307e\u3067\u306e\u5185\u5bb9\u3092\u8e0f\u307e\u3048\u306a\u304c\u3089\u3001KiwiSaver\u3092\u5c06\u6765\u306e\u5b89\u5fc3\u8cc7\u7523\u306b\u5909\u3048\u3066\u3044\u304f\u305f\u3081\u306e\u7dcf\u307e\u3068\u3081\u3092\u884c\u3044\u307e\u3059\u3002<\/p>\n<p>\u52a0\u5165\u3059\u3079\u304d\u304b\u8ff7\u3063\u3066\u3044\u308b\u65b9\u3001\u4eca\u5f8c\u306e\u884c\u52d5\u3092\u77e5\u308b\u4e0a\u3067\u306f\u305c\u3072\u53c2\u8003\u306b\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<h2>7. \u307e\u3068\u3081\uff1aKiwiSaver\u3092\u4e0a\u624b\u306b\u6d3b\u7528\u3057\u3066\u3001\u5c06\u6765\u306e\u5b89\u5fc3\u8cc7\u7523\u3092\u3064\u304f\u308b\u306b\u306f\uff1f<\/h2>\n<p>KiwiSaver\u306f\u3001\u5358\u306a\u308b\u300c\u5e74\u91d1\u5236\u5ea6\u300d\u3067\u306f\u306a\u304f\u3001\u8cc7\u7523\u904b\u7528\u30fb\u30de\u30a4\u30db\u30fc\u30e0\u8cfc\u5165\u652f\u63f4\u30fb\u7a0e\u5236\u512a\u9047\u306a\u3069\u304c\u7d44\u307f\u5408\u308f\u3055\u3063\u305f\u3001\u975e\u5e38\u306b\u67d4\u8edf\u6027\u306e\u9ad8\u3044\u5236\u5ea6\u3067\u3059\u3002<\/p>\n<p>\u7279\u306b\u30cb\u30e5\u30fc\u30b8\u30fc\u30e9\u30f3\u30c9\u306b\u4f4f\u3080\u65e5\u672c\u4eba\u306b\u3068\u3063\u3066\u3082\u3001\u81ea\u5206\u306e\u30e9\u30a4\u30d5\u30d7\u30e9\u30f3\u306b\u5fdc\u3058\u3066\u4e0a\u624b\u306b\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u3001\u5c06\u6765\u306e\u5b89\u5fc3\u3068\u9078\u629e\u80a2\u3092\u5e83\u3052\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u7ae0\u3067\u306f\u3001KiwiSaver\u306e\u5168\u4f53\u50cf\u3092\u632f\u308a\u8fd4\u308a\u3064\u3064\u3001\u4eca\u5f8c\u3069\u306e\u3088\u3046\u306b\u5411\u304d\u5408\u3063\u3066\u3044\u3051\u3070\u3044\u3044\u304b\u3001\u30dd\u30a4\u30f3\u30c8\u3092\u6574\u7406\u3057\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<h3>KiwiSaver\u306e\u672c\u8cea\u306f\u300c\u56fd\u3050\u308b\u307f\u306e\u8cc7\u7523\u5f62\u6210\u5236\u5ea6\u300d<\/h3>\n<p>KiwiSaver\u306f\u3001<strong>\u4ee5\u4e0b\u306e3\u3064\u304b\u3089\u6210\u7acb\u3059\u308b\u300c3\u8005\u5171\u540c\u306e\u4ed5\u7d44\u307f\u300d\u306b\u3088\u3063\u3066\u3001\u52b9\u7387\u7684\u306b\u8cc7\u7523\u5f62\u6210\u304c\u3067\u304d\u308b\u8a2d\u8a08<\/strong>\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u81ea\u5206\u306e\u7d66\u4e0e\u304b\u3089\u306e\u7a4d\u7acb<\/li>\n<li>\u96c7\u7528\u4e3b\u304b\u3089\u306e\u4e0a\u4e57\u305b\u62e0\u51fa<\/li>\n<li>\u653f\u5e9c\u304b\u3089\u306e\u88dc\u52a9\uff08Member Tax Credit\uff09<\/li>\n<\/ul>\n<p>\u3053\u308c\u306f\u3001\u65e5\u672c\u306e\u5e74\u91d1\u5236\u5ea6\u3068\u6bd4\u3079\u3066\u3082\u5927\u304d\u306a\u9b45\u529b\u3067\u3042\u308a\u3001\u300c\u3082\u3089\u3048\u308b\u304b\u4e0d\u5b89\u300d\u306a\u5e74\u91d1\u3068\u306f\u7570\u306a\u308a\u3001\u81ea\u5206\u304c\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3067\u304d\u308b\u8001\u5f8c\u8cc7\u91d1\u3092\u7a4d\u307f\u7acb\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<h3>\u81ea\u5206\u306e\u76ee\u7684\u306b\u5408\u3063\u305f\u30d5\u30a1\u30f3\u30c9\u3068\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u9078\u307c\u3046<\/h3>\n<p>KiwiSaver\u3067\u306f\u3001\u4ee5\u4e0b2\u3064\u306b\u3064\u3044\u3066\u3001\u81ea\u5206\u306e\u76ee\u7684\u3084\u597d\u307f\u306b\u5fdc\u3058\u3066\u9078\u3079\u308b\u81ea\u7531\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u3069\u306e\u30ea\u30b9\u30af\u30ec\u30d9\u30eb\u306e\u30d5\u30a1\u30f3\u30c9\u3092\u9078\u3076\u304b<\/li>\n<li>\u3069\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306b\u904b\u7528\u3092\u4efb\u305b\u308b\u304b<\/li>\n<\/ul>\n<p>\u305d\u308c\u306f\u540c\u6642\u306b\u3001\u300c\u81ea\u5206\u3067\u8003\u3048\u3066\u884c\u52d5\u3059\u308b\u8cac\u4efb\u300d\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong>\u5e74\u9f62\u30fb\u76ee\u7684<\/strong><\/td>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong>\u30d5\u30a1\u30f3\u30c9\u4f8b<\/strong><\/td>\n<td style=\"width: 33.3333%; background-color: #fafade; text-align: center;\"><strong>\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u4f8b\uff08\u4f8b\uff09<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%;\">20\u301c30\u4ee3<br \/>\n\uff08\u9577\u671f\u904b\u7528\uff09<\/td>\n<td style=\"width: 33.3333%;\">\u30fbGrowth<br \/>\n\u30fbAggressive<\/td>\n<td style=\"width: 33.3333%;\">\u30fbSimplicity<br \/>\n\u30fbMilford<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%;\">30\u301c40\u4ee3<br \/>\n\uff08\u4f8b\uff1a\u4f4f\u5b85\u8cfc\u5165\u4e88\u5b9a\u306a\u3069\uff09<\/td>\n<td style=\"width: 33.3333%;\">\u30fbBalanced<br \/>\n\u30fbModerate<\/td>\n<td style=\"width: 33.3333%;\">\u30fbASB<br \/>\n\u30fbBooster<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 33.3333%;\">50\u4ee3\u4ee5\u964d<br \/>\n\uff08\u5b89\u5b9a\u91cd\u8996\uff09<\/td>\n<td style=\"width: 33.3333%;\">\u30fbConservative<br \/>\n\u30fbModerate<\/td>\n<td style=\"width: 33.3333%;\">\u30fbANZ<br \/>\n\u30fbFisher Funds<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u65e5\u672c\u4eba\u306a\u3089\u3067\u306f\u306e\u6ce8\u610f\u70b9\u3082\u5fd8\u308c\u305a\u306b<\/h3>\n<p>\u7279\u306b\u65e5\u672c\u4eba\u306b\u3068\u3063\u3066\u306f\u3001\u4ee5\u4e0b\u306e\u70b9\u306b\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u6c38\u4f4f\u304b\u4e00\u6642\u6ede\u5728\u304b\u306b\u3088\u3063\u3066\u3001\u5f15\u304d\u51fa\u3057\u3084\u52a0\u5165\u30eb\u30fc\u30eb\u304c\u7570\u306a\u308b<\/li>\n<li>\u5e30\u56fd\u6642\u306e\u5f15\u304d\u51fa\u3057\u306f1\u5e74\u4ee5\u4e0a\u306e\u7d4c\u904e\uff0b\u8a3c\u660e\u66f8\u985e\u304c\u5fc5\u8981<\/li>\n<li>\u5f15\u304d\u51fa\u3057\u305f\u8cc7\u91d1\u306f\u65e5\u672c\u3067\u8ab2\u7a0e\u5bfe\u8c61\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b<\/li>\n<li>\u82f1\u8a9e\u304c\u4e0d\u5b89\u306a\u5834\u5408\u306f\u65e5\u672c\u8a9e\u5bfe\u5fdc\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3084\u8cc7\u7523\u7ba1\u7406\u4f1a\u793e\u306e\u6d3b\u7528\u3082\u691c\u8a0e\u3092<\/li>\n<\/ul>\n<h3>\u4eca\u3059\u3050\u3067\u304d\u308b\uff01KiwiSaver\u6d3b\u7528\u306e\u30b9\u30c6\u30c3\u30d7<\/h3>\n<p>\u3010\u30b9\u30c6\u30c3\u30d71\u3011<br \/>\n\u81ea\u5206\u304cKiwiSaver\u306b\u52a0\u5165\u3057\u3066\u3044\u308b\u304b\u3092\u78ba\u8a8d<br \/>\n\uff08\u8077\u5834\u7d4c\u7531\u304b\u3001\u500b\u4eba\u52a0\u5165\u304b\uff09<\/p>\n<p>\u3010\u30b9\u30c6\u30c3\u30d72\u3011<br \/>\n\u81ea\u5206\u306e\u62e0\u51fa\u7387\u3068\u30d5\u30a1\u30f3\u30c9\u30bf\u30a4\u30d7\u3092\u898b\u76f4\u3059<\/p>\n<p>\u3010\u30b9\u30c6\u30c3\u30d73\u3011<br \/>\n\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306e\u624b\u6570\u6599\u3084\u904b\u7528\u6210\u7e3e\u3092\u6bd4\u8f03\u3057\u3066\u5fc5\u8981\u306a\u3089\u5909\u66f4<\/p>\n<p>\u3010\u30b9\u30c6\u30c3\u30d74\u3011<br \/>\n\u521d\u3081\u3066\u306e\u4f4f\u5b85\u8cfc\u5165\u3084\u5e30\u56fd\u4e88\u5b9a\u304c\u3042\u308b\u5834\u5408\u306f\u3001\u5f15\u304d\u51fa\u3057\u6761\u4ef6\u3092\u4e8b\u524d\u306b\u78ba\u8a8d<\/p>\n<p>\u3010\u30b9\u30c6\u30c3\u30d75\u3011<br \/>\n\u4e0d\u660e\u70b9\u304c\u3042\u308c\u3070\u3001\u4fe1\u983c\u3067\u304d\u308b\u5c02\u9580\u5bb6\uff08\u65e5\u672c\u8a9e\u5bfe\u5fdc\u3082\u53ef\uff09\u306b\u76f8\u8ac7\u3092<\/p>\n<h3>\u3053\u306e\u8a18\u4e8b\u306e\u7dcf\u307e\u3068\u3081\uff1aKiwiSaver\u306f\u300c\u7d76\u5bfe\u3084\u308b\u3079\u304d\u300d\u8cc7\u7523\u5f62\u6210\u30c4\u30fc\u30eb<\/h3>\n<p>KiwiSaver\u306e\u4e3b\u306a\u30dd\u30a4\u30f3\u30c8\u306f\u4ee5\u4e0b\u306e\u901a\u308a\u3067\u3059\u3002<\/p>\n<ul>\n<li>\u8caf\u91d1\uff0b\u6295\u8cc7\uff0b\u5e74\u91d1\u306e\u30cf\u30a4\u30d6\u30ea\u30c3\u30c9\u5236\u5ea6<\/li>\n<li>\u81ea\u5206\u3067\u9078\u3073\u3001\u81ea\u5206\u3067\u30b3\u30f3\u30c8\u30ed\u30fc\u30eb\u3067\u304d\u308b\u5236\u5ea6<\/li>\n<li>\u5c11\u984d\u304b\u3089\u3067\u3082\u59cb\u3081\u3089\u308c\u3001\u56fd\u3068\u4f1a\u793e\u306e\u30b5\u30dd\u30fc\u30c8\u3082\u5f97\u3089\u308c\u308b\u5236\u5ea6<\/li>\n<\/ul>\n<h4>\u300c\u3044\u3064\u304b\u3084\u308d\u3046\u300d\u3067\u306f\u306a\u304f\u3001\u300c\u4eca\u65e5\u304b\u3089\u300d<\/h4>\n<p><span style=\"text-decoration: 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