新西兰人因经济困难从KiwiSaver提取4.7亿美元
新西兰人因经济困难从KiwiSaver提取4.7亿美元 <\/h1>
在过去一年中,经济压力促使从KiwiSaver(新西兰最大的退休储蓄计划)中提取资金显著增加。税务局的数据表明,在截至2025年6月的一年中,因困难原因提取的资金超过4.7亿美元,比前一年增长了56.6%。<\/p>
超过53,000名新西兰人动用了他们的KiwiSaver账户以应对财务困难,这一数字比前一个财政年度增长了64.3%。Simplicity的首席经济学家Shamubeel Eaqub指出,这一趋势与持续的经济困难一致,包括生活成本上升、失业率上升和通货膨胀。<\/p>
经济困难与提取增加 <\/h3>
Eaqub指出,过去两年中失业率的急剧上升是提取资金激增的最重要因素。他说:"虽然通货膨胀有所放缓,但生活成本仍然很高,尤其是食品等必需品。"过去一年食品价格上涨了约4.5%,而收入却没有跟上。<\/p>
他将这种情况描述为"双重打击"——当经济状况恶化时,个人会同时面临多个挑战,包括生活成本上升和收入减少。他补充说:"人们平均提取约9,000美元,以偿还债务并确保他们有足够的钱花。"<\/p>
对未来退休的影响 <\/h3>
Eaqub警告称,现在从KiwiSaver中提取资金可能会对退休储蓄产生长期影响。他说:"这在今天财务困难和未来可能更大的困难之间是一种权衡。"如果现在处于困难之中,今天生活在贫困中并不是确保未来退休更好的好方法。"<\/p>
他强调,许多提取资金的人KiwiSaver账户余额相对较小,这限制了他们在长期中从这些提取中恢复的能力。<\/p>
贡献的作用 <\/h3>
那些一直向KiwiSaver定期供款的人更有能力应对财务冲击。Eaqub解释说:"那些没有供款的人通常收入较低,会错过政府和雇主的供款。"即使退休时金额较少,那些一直供款的人在困难时期也有更多的缓冲。<\/p>
尽管提取资金有所增加,Eaqub指出,因困难而使用KiwiSaver的人数仍然相对较少——约占所有成员的0.3%——这一数字略高于疫情前的水平。<\/p>
呼吁谨慎 <\/h3>
虽然立即需要财务缓解是合理的,但Eaqub呼吁谨慎。他说:"这些提取的长期影响不应被忽视。"找到在不损害未来财务安全的情况下管理当前困难的方法非常重要。<\/p> <\/div>

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- SELECT * FROM `news_article_i18n` WHERE `lang` = 'zh-cn' AND `news_article_id` = 10949 LIMIT 1 [ RunTime:0.000816s ]