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Home > Property Apprentice Podcast > The Great Debate: Should KiwiSaver Be Made Compulsory?
Podcast: Property Apprentice Podcast
Episode:

The Great Debate: Should KiwiSaver Be Made Compulsory?
Category: Business
Duration: 00:08:34
Publish Date: 2026-01-29 01:00:00
Description:

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In this episode, Debbie Roberts from Property Apprentice discusses the hot topic of whether KiwiSaver should be made compulsory or remain voluntary. With recent media attention and political proposals suggesting a shift toward a mandatory model similar to Australia’s, it is a conversation that every New Zealander should be following.

Debbie breaks down the potential impact of these changes on your take-home pay, your ability to secure a first-home deposit, and your long-term retirement goals.

Key Topics Discussed:

  • The Case for Compulsion: How mandatory savings could close the "savings gap" for New Zealanders and strengthen the national economy.
  • The Impact on Your Wallet: The potential downsides of reduced take-home pay during a cost-of-living crisis and the increased costs for businesses.
  • The First-Home Gateway: Why KiwiSaver remains the primary tool for many to enter the property market and how compulsory savings could lead to larger deposits and better bank lending terms.
  • Financial Discipline: Why the habit of living on slightly less than you earn is a crucial trait for any successful property investor.
  • Taking Control: Why you shouldn't wait for government legislation to secure your financial future.

Take Action for Your Future

Whether the rules change or not, your focus should remain on a long-term strategy. If you aren't already a client of Property Apprentice, we invite you to take control of your financial journey today.
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