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A small business will only grow when you let go
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Topshop no longer want me as a customer – and that’s not a bad thing
Could the cloud save your company money?
Retiring Early
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The future of business communication through technology tools
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Should You have a Close Friend at Work?
PropertyTutors appoints new General Manager
Think Big, Work Smart: 5 Technologies to Increase Team Productivity
How Safe are Your Bank Deposits?
Have Your Say on Retirement Income Policy
How to Lower the Cost of Your ACC Premiums
Business coaches – are they worth it?
The Flight from Bonds
When Helpers Are Leaders – Three Lessons from the Boston Marathon and UNH
Bring Home Your Aussie Super
Spending time in Australia on a working holiday has been part of the Kiwi way of life for many years. The trouble is that since 1992, when it became compulsory in Australia to contribute to a superannuation scheme, locked-in funds have had to be left behind when it’s time to come home.

From 1 July, 2013 however, it will be possible to transfer money between Australian complying superannuation schemes and KiwiSaver. Transfers in both directions will be allowed, with a few conditions.

It will be voluntary for scheme providers to accept transfers, so check with your KiwiSaver provider if you want to bring funds back.

Until now, Kiwis moving to Australia permanently have been able to cash up their KiwiSaver, however funds will now need to be transferred. Funds transferred into KiwiSaver from an Australian scheme will still be subject to slightly different rules than other KiwiSaver funds. Transferred funds will be locked in until retirement at a minimum age of 60.

Australian funds transferred won’t be available for a first home withdrawal, and will not count towards contributions required for the Government tax credit. If you permanently emigrate to a third country, transferred Australian funds will not be able to be taken to that country.

Despite these slightly different rules, transferring funds from Australia has advantages. You may have several Australian Superannuation accounts and it may be possible to consolidate them all into one KiwiSaver scheme making it easier to keep track of your savings and plan for the future.

You may also be able to save on administration fees by consolidating funds. Converting your savings to New Zealand dollars means you won’t be affected by changes in the exchange rate over time.

Contact your financial adviser to find out more about how to bring your Australian superannuation funds home.
Business with Australia: A right time?
Business with Australia: homework
Bring Home Your Aussie Super
Psychometric Assessment – It’s not so daunting!
Business with Australia: Culture clash
Searching for the Epiphany Moment
Are your affairs in a mess?
Leadership Lessons from July 4th – 237 Years Ago
5 Ways Your Logo Impacts Your Social Presence
Business with Australia: long distance relationship
Can You Adjust Your Leadership to the Situation?
Managing conflict: How MBTI helps me create team harmony
How to Incorporate a Business: Choosing a State for Incorporation
Practicing without attachment encourages collaborative teamwork
Property Investment for Retirees
Online Reputation Management For New Zealand Business
5 Ways to Improve Local SEO and Drive Sales
Fighting over the Family Fortune
KiwiSaver Options for Retirees
Conducting a Redundancy Process
When and How to Use a Financial Adviser
Value Reputation and New Zealand Business
Buying Property with a Low Deposit
When is the best time to rebrand your business? Probably not Monday
A Few Leadership Lessons from the Coast Guard’s Eagle
Why it’s worth renegotiating with your bank
Is Your Team Damaging Your Business Reputation?
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Doing Business in China 5 Kiwi Tips
Using Deviant Behavior to Change Outcomes
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Orcon needs to improve its customer service
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Frugality is not the Key to Riches
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The Pitfalls of Overseas Investments
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The Happiest Man in the World
Turn Knowledge into Action
The most common business mistakes and how to embrace them
Business with Australia: Play down the Kiwi bit
Are Business Cards Still a Necessity?
Engage Your Team – Dream On!
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