An overview of NZ’s investment and tax environment
Individual Tax Rates from 1 April 2025 New Zealand has a progressive tax system, whereby the rate of tax rises as your income increases. Each person is taxed individually and there is no personal allowance or standard deduction. Income from jointly held assets is generally attributed 50% to each individual owner. For Each Dollar of […]
Tax Residency & Transitional Tax Resident
Tax residency and transitional tax resident Tax is often an important consideration with any financial decision as it impacts the net return (after tax and fees) we receive as investors. But for expats, tax plays an even more important role, as most likely you will have assets in more than one country and need to […]
NZ Super and Foreign State Retirement Benefits
New Zealand Super New Zealand Superannuation (often referred to as just NZ Super) is a state pension paid by the New Zealand government to all eligible persons. It is an age-related universal pension paid without any means testing (asset or income) and paid for life by the New Zealand Government. The income is taxable with […]
New Zealand KiwiSaver
Overview KiwiSaver is the New Zealand government’s subsidised retirement saving scheme provided by the private sector. Joining KiwiSaver is voluntary, but if you are a new employee, your employer is required to automatically enrol you into KiwiSaver, but you have the option to opt out. All eligible KiwiSaver members aged over 18 that contribute at […]
Tax Treatment of Foreign Superannuation Funds
How does New Zealand treat foreign superannuation funds? New Zealand generally considers Foreign Superannuation (such as US retirement accounts), as pensions schemes set up outside New Zealand to provide retirement benefits. The benefits held within these schemes are generally not taxable and can therefore continue to grow whilst you are resident in New Zealand. However, […]
