Money Made Simple
Welcome to Money Made Simple, a family of NZ-based financial literacy podcasts from Simplicity which keep it simple and get straight to the point. We want ALL Kiwis to have dignity, and a dignified life is one with choices. What can help with more choices? More money. So we're here to make Kiwis richer and smarter with money.
MONEY MADE SIMPLE WITH JENNIE AND LIV:
Join co-hosts Liv and Jennie on a fortnightly basis to help you understand the basics around money, finances, investing, KiwiSaver, and planning for a better future. We aim to provide information in a bite-sized, easy-to-listen way that simplifies the jargon. 'Cos who's got time for that! We want you to feel empowered and confident when thinking about money and investing - whether that be via KiwiSaver, investment funds, the share market, property, or whatever suits you.
THE ECONOMY MADE SIMPLE WITH SHAMUBEEL EAQUB:
Join Shamubeel Eaqub, Simplicity's Chief Economist, on a monthly basis to help you understand what's happening in the economy, job market, politics and financial markets. Tune in to get economic updates, interviews with NZ's key movers and shakers, and deep dives into topics you might want to understand better.
You can join the Simplicity community via the following channels:
Instagram: https://www.instagram.com/simplicity_kiwi/
Facebook: https://www.facebook.com/simplicitykiwi
LinkedIn: https://www.linkedin.com/company/simplicity-kiwi/
Or check out our website: https://simplicity.kiwi/
Cheers for listening - we appreciate each and every one of you %)
Money Made Simple
MMS #51 | KiwiSaver changes explained: What’s in, what’s out & what does this mean for you?
In this episode of Money Made Simple, Liv and Jennie unpack the recent changes to KiwiSaver announced in Budget 2025 - what’s changing, why it matters, and how it could impact you both now, and in the long term.
From personal contribution increases to government contribution cutbacks, it’s a mixed bag. Some changes are great, particularly for younger savers and long-term investors, but others (like the halving of the government contribution) may feel like a step backwards.
This episode covers:
- The increase in compulsory KiwiSaver contributions from 3% to 4%, and why it’s being phased in slowly
- What the drop in the government contribution from $521 to $261 means for your savings
- The new income cap - earn over $180,000 and you’ll no longer receive any government contribution
- Good news for younger workers - 16 and 17-year-olds will now receive government contributions and next year, employer contributions
- What these changes could mean for self-employed Kiwis
- How to opt out of the increased contributions (and why that might cost you long-term)
- Why it might be time to revisit your KiwiSaver settings and contribution strategy
Whether you’re just starting out, self-employed, or looking to retire one day with a decent nest egg, this episode helps make sense of the updates and how to make them work for you.
Resources mentioned:
- Watch Shamubeel Eaqub's webinar on Budget 2025 & changes to KiwiSaver
- Latest blog on KiwiSaver changes
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Disclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.