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(Click for frequent words.) 84 Kiwisaver 81 KiwiSaver scheme 74 superannuation 70 KiwiSavers 66 Kiwi Saver 65 compulsory superannuation 63 Superannuation 63 stakeholder pensions 62 Kiwisaver scheme 62 NZ Superannuation 60 superannuitants 60 CTFs 60 occupational pension 60 Kiwibank 59 MySuper 59 SMSF 59 KiwiSaver schemes 58 SMSFs 58 Dr Brash 58 NZ Superannuation Fund 58 NPSS 57 Superannuation Fund 57 compulsory annuitisation 57 PRSAs 57 Isas 57 Stakeholder pensions 57 pension schemes 56 ISAs 56 SIPPs 56 Hon BILL ENGLISH 56 UnitedFuture 55 Insurance Contributions NICs 55 occupational pensions 55 Individual Savings Accounts 55 Steve Maharey 55 Don Brash 55 Mrs Tolley 55 annuitisation 55 superannuants 55 Superannuation Funds 54 Maori Party 54 SSIA scheme 54 Savings Scheme NPSS 54 KiwiSaver Scheme 54 RRSPs 54 Superannuation Guarantee 54 superannuation entitlements 53 compulsory superannuation contributions 53 leader Don Brash 53 PPF levy 53 Paid Parental Leave 53 undeducted contributions 53 SuperGold Card 53 Sipps 53 AustralianSuper 53 SSIAs 53 WorkChoices 53 Mr Maharey 53 Huljich Wealth Management 53 NZSF 53 Rodney Hide 53 superannuation surcharge 53 Maharey 52 Helen Clark 52 Commissioner Diana Crossan 52 RRSP 52 Australia ASFA 52 Pauline Vamos 52 Diana Crossan 52 Whanau Ora 52 Work Choices 52 Hon STEVE MAHAREY 52 annuitise 52 TelstraClear 52 leader Phil Goff 52 PIEs 52 compulsory superannuation scheme 52 Isa allowance 52 IFAs 52 AWAs 52 Pete Hodgson 52 BNZ 52 Pension Funds NAPF 52 GESB 52 Personal Accounts 52 RESPs 51 UniSuper 51 Ms Tizard 51 RDSP 51 TFSA 51 cash Isas 51 TFSAs 51 Westpac 51 QROPS 51 SIPP 51 ISA allowance 51 Ms Plibersek 51 New Zealanders 51 Tony Ryall 51 ACOSS 51 Dr Bollard 51 Isa savers 51 SSIA holders 51 Huljich 51 SSIA 51 Minister Steve Maharey 51 Cash ISAs 51 lifestyling 51 Domestic Purposes Benefit 50 RRSP contributions 50 Mr Modray 50 LGPS 50 Saving Scheme NPSS 50 Savings Scheme 50 AVCs 50 TVNZ 50 PAYE 50 Maryan Street 50 NAPF 50 Emissions Trading Scheme 50 NZUSA 50 Herald DigiPoll survey 50 asset allocation 50 Retail Deposit Guarantee 50 Jim Anderton 50 Mr Tamihere 50 SMSF trustees 50 dividend imputation 50 Ms Ridout 50 Sunsuper 50 Child Tax Credits 50 Rt Hon HELEN CLARK 50 Trevor Mallard 50 childcare rebate 50 PRPPs 50 David Cunliffe 50 Phil Goff 50 GUYON 50 Peseta Sam Lotu Iiga 49 mortgage repayments 49 Mr Ryall 49 Leader Rodney Hide 49 HECS 49 Registered Disability 49 Pension SIPP 49 FundsNetwork 49 Tamihere 49 NCEA 49 Sue Moroney 49 CDEP 49 S2P 49 MTAA Super 49 RaboPlus 49 Regular Saver 49 indexation 49 Hon TREVOR MALLARD 49 Mrs Turia 49 Goulter 49 Gerry Brownlee 49 Sickness Benefit 49 SuperRatings 49 Hon PHIL HEATLEY 49 Reserve Fund NPRF 49 Richard Prebble 49 EPF 49 Mr Chauvel 49 PHOs 49 Unemployment Benefit 49 NZEI 49 Harawira 49 Coverdells 49 FundSource 49 undeducted contribution 49 expert Ros Altmann 49 FSCS 49 COSBOA 49 Work Choices laws 48 QSuper 48 SFLG 48 pensions 48 Dr MICHAEL CULLEN 48 sharemarket 48 uprating 48 Roth IRAs 48 ISA savers 48 VCTs 48 fee maxima 48 Work Choices legislation 48 HSAs 48 Benson Pope 48 Fidelity FundsNetwork 48 BankDirect 48 Scottish Widows 48 EI premiums 48 Lynne Pillay 48 Workfare 48 ShapeNZ survey 48 Tax Simplification 48 leader Rodney Hide 48 Te Puni Kokiri 48 KiwiBank 48 Sensible Sentencing Trust 48 Pension Protection 48 mutuals 48 Medibank Private 48 National Rental Affordability 48 Peter Huljich 48 Building Societies 48 AWD Chase 48 Incapacity Benefits 48 Roth Individual Retirement 48 pensionable age 48 Individual Savings Account 48 Job Ops 48 ANZO 48 Pharmac 48 Fund PPF 48 HESTA 48 Ms Dalziel 48 Hone Harawira 48 non contributory pension 48 jobseekers allowance 48 Dr Ros Altmann 48 Investments NS 47 AOFM 47 Macquarie Fortress 47 Trust Funds CTFs 47 Ruth Dyson 47 Waitangi Day 47 Dr Kiro 47 Carbon Reduction Commitment 47 WorkChoices legislation 47 Pension Scheme NPS 47 FNPF 47 Mandatory Provident Fund 47 flexitime 47 Transpower 47 Retirement Savings Accounts 47 SSIA savers 47 Minimum Wage NMW 47 tertiary education 47 Self Invested Personal 47 Rowanmoor Pensions 47 Default Retirement 47 NZIER 47 PRAs 47 Clutha Southland 47 SAYE schemes 47 ELSS schemes 47 Child Benefit 47 wananga 47 RaboDirect 47 NZQA 47 life assurers 47 indexation allowance 47 NZNO 47 Newstart allowance 47 Accident Compensation Corporation 47 Centrelink 47 Mr Ciobo 47 Lifetime Savings Account 47 Austudy 47 SuperGold card 47 Exclusive Brethren 47 Job Seeker Allowance 47 NZPA 47 SSASs 47 Marian Hobbs 47 mini Isas 47 RESP 47 lender SVR 47 Roth IRA 47 Smartshares 47 remortgaging 47 OnePath 47 Pensions 47 Winston Peters 47 ACTU 47 CRC Energy Efficiency 47 Incapacity Benefit 47 bracket creep 47 Qrops 47 SuperStream 46 Mr Horomia 46 Mrs Turei 46 Accommodation Supplement 46 FirstChoice 46 Coverdell accounts 46 Gattung 46 NPPF 46 Darien Fenton 46 Hon ANNE TOLLEY 46 SIPPS 46 Skipton Building Society 46 superannuation payouts 46 NATSEM 46 Telstra 46 Remortgaging 46 FSCS levy 46 Defined Benefit 46 Coverdell ESAs 46 concessional contributions 46 Saver Accounts 46 LOUISE YAXLEY 46 ISA wrapper 46 Scheme HECS 46 RSE scheme 46 lolly scramble 46 NZX 46 CATHERINE MCGRATH 46 SIMPLE IRA 46 IAPF 46 SAYE 46 NZMA 46 Medisave 46 Qualifying Recognised Overseas 46 Compulsory superannuation 46 Senator Harradine 46 Andrew Gawith 46 PRSI contributions 46 Urbus 46 Defined Benefit DB 46 ShareBuilder #k 46 Emissions Trading Scheme ETS 46 concessionally taxed 46 Winz 46 InternetNZ 46 CTF voucher 46 Unit Trusts 46 Tertiary Education Commission 46 Mr Beazley 46 CTF vouchers 46 RRIF withdrawal 46 Paid maternity 46 FERS employees 46 mydeposits.co.uk 46 Moana Mackey 46 Bernie Ripoll 46 Equitable Life policyholders 46 stakeholder CTF 46 Renewables Obligation 46 childcare voucher 46 Mr Frazis 46 Flexible Lifetime 46 Fly Buys 46 & Pensions Moneyfacts 46 Savings Accounts 46 Lindsay Tanner 46 Carbon Pollution Reduction Scheme 46 Coverdell ESA 46 NPRF 46 Transfund 46 Clerical Medical 46 AXA Wealth 46 WorkCover premiums 46 MGM Advantage 46 super annuation 46 Nanaia Mahuta 46 STEPHEN LONG 45 childcare vouchers 45 Georgina te Heuheu 45 Punter Southall 45 Infratil 45 statutory redundancy 45 WAYNE SWAN Well 45 Defined Benefit Plans 45 QDIA 45 Workchoices 45 re mortgaging 45 Moneynet.co.uk 45 numeracy 45 Cofunds 45 Eslake 45 EPFO 45 Sipp 45 pension 45 DHBs 45 Boiler Scrappage Scheme 45 Ms Fitzsimons 45 monthly outgoings 45 Praemium 45 Superannuation Trustees 45 UTI Retirement 45 Funded Status 45 Colmar Brunton 45 Jenny Macklin 45 PHARMAC 45 Selestia 45 Scottish Equitable 45 Alternatively Secured 45 Anne Tolley 45 Stamp duty 45 Mr Combet 45 Denis Orrock 45 redundancy payouts 45 APRA regulated 45 Simon Carlaw 45 Ms Macklin 45 News Colmar Brunton 45 Bridgecorp 45 Australian Workplace Agreements 45 Pension 45 Pension Scheme 45 SVRs 45 nondeductible IRA 45 Marac 45 Free Savings Accounts 45 GREG COMBET Well 45 Tranz Rail 45 Childcare vouchers 45 StartUp Britain 45 personal pensions Sipps 45 Pre Budget 45 TVOne Agenda 45 CRIs 45 Axa Wealth 45 NCVO 45 stakeholder CTFs 45 MVRs 45 Optus 45 KEVIN ANDREWS Well 45 Remuneration Tribunal 45 FRS# accounting standard 45 Qualified Default 45 CIPFA 45 Modern Apprenticeships 45 trivial commutation 45 Moneysupermarket.com 45 Clare Curran 45 monthly repayments 45 EPF contributors 45 FSCP 45 Muriel Newman 45 Modray 45 contestability 45 NHS Pension Scheme 45 Dr Mapp 45 Defined Contribution Plans 45 Ms Farnish 45 Weaven 45 Ms Burrow 45 WAYNE SWAN 45 MoneyExpert 45 Senator Fielding 45 Plunketline 45 RRSP contribution 45 moneyfacts.co.uk 45 Investec Cautious Managed 45 Rogernomics 45 rollover IRAs 45 CGT exemption 45 Huljich KiwiSaver 45 Ms Kedgley 45 SUPERANNUATION 45 John Tamihere 45 tracker mortgages 45 Affco 45 Lees Galloway 45 Gains Tax 45 RDSPs 45 IVAs 45 Dr Prebble 45 Investment Schemes 45 Trust NEST 45 Wayne Swan 45 LifeSearch 45 FirstBuy scheme 45 workers union Finsec 45 remortgage 45 Moneyfacts 45 IB claimants 44 Quebec Pension Plan 44 Harry Senlitonga 44 Fonterra 44 Higher Education Contribution 44 Provident Fund 44 Carers Strategy 44 Suncorp 44 car scrappage scheme 44 EFRBS 44 SmartCompany 44 NZSE 44 Dr Sharples 44 Minister Tanya Plibersek 44 CommInsure 44 Economic Modelling 44 HBOS 44 PRSI ceiling 44 FERS retirement 44 PRPP 44 Medisave accounts 44 Ms Turei 44 Jobseekers Allowance 44 Horomia 44 Student Loan Scheme 44 Cbus 44 BPay 44 2degrees 44 IFSA 44 boiler scrappage scheme 44 ASFA 44 NZSX# 44 Forsyth Barr 44 Birmingham Midshires 44 taxfree 44 Veda Advantage 44 Brenda Pilott 44 Pooled Registered Pension Plan 44 Tariana Turia 44 ihug 44 Mâori 44 Pensions SIPPs 44 ANZ 44 Government Actuary 44 FTBs 44 PPF 44 Engage Mutual 44 Dean Mirfin 44 GST 44 Theresa Gattung 44 Hostplus 44 Herald DigiPoll 44 skilled migrants 44 pensioners carers 44 Retirement Savings Account 44 undeducted 44 Senator Minchin 44 HM Treasury 44 LTFs 44 HMRC 44 Thinc 44 contributory pensions 44 Te Wananga o Aotearoa 44 Intergenerational Report 44 EPMU 44 VanDerhei 44 Contribution Limits 44 Maori 44 FSAs 44 Pensions Sipps 44 Minister Anne Tolley 44 Information Packs 44 superannuation nest egg 44 Baycorp 44 NBN Co 44 Nurses Organisation NZNO 44 personal pensions SIPPs 44 Loan Guarantee Scheme 44 Annuity Direct 44 Superpartners 44 Finsia 44 Perpetual Trustees 44 Charcol 44 Recognised Seasonal Employer 44 employer PRSI 44 Minister Rodney Hide 44 Mark Gosche 44 Voluntary Sector 44 RBS Intermediary Partners 44 LYNDAL CURTIS 44 Prudential Regulation 44 employers PRSI 44 Warm Front 44 Asteron 44 IMLA 44 Maoridom 44 Pension Reform Act 44 TERs 44 Pansy Wong 44 Judith Tizard 44 Sure Start 44 Stamp Duty 44 Tony Abbott 44 proc fees 44 Ssas 44 contributions NICs 44 microgeneration 44 Mr Bagrie 44 Directgov 44 Leader Don Brash 44 Shadow Cabinet 44 Ms. Nalbantoglu 44 Rowanmoor 44 SIMPLE IRAs 44 IRAs 44 Fahlund 44 LSIFs 44 David Deverall 44 CHRIS EVANS Well 44 imputation credits 44 Pensioners Convention 44 Jenny Shipley 44 welfare quarantining 44 Lifeplan 44 information packs Hips 44 savers 44 Larry Baldock 44 ALEXANDRA KIRK 44 CPP QPP 44 Aldermore 44 Simplyhealth 44 RESP contributions 44 Suicide Prevention Strategy 44 ITEAs 44 RRIFs 44 Nick Minchin 44 Assureweb 44 Pensionskassen 44 SABRA LANE 44 Pension Schemes 44 Anthony Byett 44 IRA Roth IRA 44 Jay Weatherill 44 FHOG 44 Medishield 44 spousal RRSPs 44 EYFS 44 ROTH IRA 44 Housing Trust NHT 44 FMPs 43 ULIP 43 RBNZ 43 NZ 43 Minimum Sum 43 NLGN 43 Minister Trevor Mallard 43 Pension Bima Yojana 43 Clr Khan 43 WAYNE SWAN TREASURER 43 Mr Tanczos 43 Mzansi account 43 Chris Hipkins 43 Senator Coonan 43 ULIPs 43 nondeductible IRAs 43 Orewa 43 Workplace Agreements 43 IFAonline 43 CDHPs 43 COMMONWEALTH Bank 43 PruProtect 43 minister James Plaskitt 43 Newstart Allowance 43 MedicarePlus 43 DNZ Property Fund 43 Orcon 43 FEE HELP 43 Allied Farmers 43 Gartmore Cautious Managed 43 PETER COSTELLO 43 whanau 43 Ms Giddings 43 Minister Tony Ryall 43 ipac 43 Bestinvest 43 Tax Incentivised Savings 43 Baigrie Davies 43 Free Savings Account 43 VFMC 43 Solo #k 43 NICK MINCHIN 43 annuitization 43 iwi 43 stamp duty 43 childcare 43 FiTs 43 Christine Farnish 43 Retirement Savings 43 Registered Retirement 43 moneysupermarket.com 43 David Caygill 43 Utkus 43 Identity Scheme 43 Hon PAULA BENNETT 43 Edusave 43 Mr Hartcher 43 Carmel Tebbutt 43 Vebnet 43 information packs HIPs 43 Ms Gattung 43 Nandor Tanczos 43 Working Tax Credits 43 Ms Henare 43 CPF 43 HECS HELP 43 Rotorua 43 GPPs 43 maturing SSIAs 43 Paul Versteege 43 marae 43 contributory pension 43 ASX# [002] 43 Inland Revenue 43 CRAIG EMERSON 43 Fundsmith 43 Cairns Lockie 43 Teachers Pension Scheme 43 Sex Discrimination Act 43 PayGlobal 43 Federated Farmers 43 Heuheu 43 Economic Modelling NATSEM 43 HSA 43 Bagrie 43 Saving Scheme 43 BPAY 43 ELSS 43 Leader Phil Goff 43 0pc 43 homeworking 43 Matt McCarten 43 deferred annuity 43 HIPs 43 CHL Mortgages 43 Homebuy Direct 43 Lifetime Savings Accounts 43 Employment Equality 43 New Zealand 43 Laila Harre 43 IFA Promotion 43 PRSI 43 Howard battlers 43 Opposition Leader Zed Seselja 43 Ms Radisich 43 tax deductibility 43 DANA ROBERTSON 43 SCVO 43 LAPFF 43 Mr Harawira 43 Mr Brogden 43 MARK LATHAM 43 Awatere Huata 43 union Finsec 43 FNZ 43 Apcims 43 Paula Rebstock 43 LUCRF 43 retirement nest egg 43 Craigs Investment Partners 43 Australand 43 RRIF withdrawals 43 HECS fees 43 Carbon Reduction Commitment CRC 43 Rahui Katene 43 Cassandra Goldie 43 Association NZUSA 43 Precise Mortgages 43 MediShield 43 provident fund 43 Sharman Stone 43 Iress 43 Carer Allowance 43 Savings Incentive 43 Satrix 43 Dr Foskey 43 carers 43 RSPs 43 hardship withdrawals 43 5per cent 43 KAY PATTERSON 43 Newstalk ZB 43 Stakeholder Pensions 43 thomsons online benefits 43 WorkCover 43 SSIA accounts 43 Sharesave 43 specie transfers 43 Mita Ririnui 43 HCRs 43 Children Regular Saver 43 Baycorp Advantage 43 CDHB 43 Te Wananga O 43 Social HomeBuy 43 Affairs Mary Hanafin 43 Gebhardtsbauer 43 Ross Gittins 43 Treating Customers Fairly 43 Defined Benefit pension 43 MoneyExpert.com 43 NSITF 43 DPB 43 UFB 43 k 43 lump sums 43 CIPD 43 Dunnin 43 Donna Awatere Huata 43 Ms Gillard 43 Winnie Laban 43 Mr Rabbitte 43 Selestia Investment Solutions 43 PAYG 43 SIMPLEs 43 LPTs 43 Labour MPs 43 Accident Compensation 43 FRS# 43 Bankwest 43 Renewables Obligation RO 43 Sue Ellery 43 Taper Relief 43 NOIE 43 Jeanette Fitzsimons 43 IFSRA 43 Julia Gillard 43 ARFs 43 Mr Bandt 43 Greg Combet 42 Service ACOSS 42 Greypower 42 maxi Isa 42 Senator Abetz 42 CYF 42 Individual Voluntary Arrangement 42 Charles Chauvel 42 Crikey 42 Thrift Savings Plan 42 TrustPower 42 Moneyfacts.co.uk 42 Lianne Dalziel 42 UUK 42 Moneysupermarket 42 Homebuy scheme 42 contributory pension scheme 42 Denplan 42 CoreData 42 supercity 42 Mr Turnbull 42 Mr Aird 42 NZEI Te Riu Roa 42 Opposition frontbench 42 James Hardie asbestos 42 pension S2P 42 pensionable salary 42 Commissioner Cindy Kiro 42 wânanga 42 Superannuants Association 42 Lib Dem manifesto 42 Stanlib 42 Hon ANNETTE KING 42 traditional IRAs 42 Defined Contribution 42 polytech 42 prudential regulator 42 Guinness Peat 42 Jacinda Ardern 42 Orewa Rotary Club 42 Balanced Managed 42 homeloans 42 fiscally neutral 42 IncomeFlex 42 Tasmanians 42 Stamp Duty Land 42 MP Tau Henare 42 FlexAccount 42 Barclays Stockbrokers 42 Contributory Pension Scheme 42 Metlifecare 42 Westpac Banking Corporation 42 Incapacity Benefit claimants 42 Transmission Gully 42 elective deferral 42 Dr Switkowski 42 Parental Leave 42 jobseeking 42 DHBNZ 42 John Charcol 42 Finsec 42 ING Direct Savings Account 42 Reits 42 chancellor Alistair Darling 42 Playcentre 42 Nasfund 42 CPRS 42 decumulation 42 Regular Saver account 42 annuitize 42 Westscheme 42 KPERS 42 Landsbanki Guernsey 42 Mr McCoskrie 42 KEVIN ANDREWS 42 Coverdell Education 42 Workfare Bonus 42 forestry MIS 42 Assirt 42 Housing Federation NHF 42 Unfair dismissal 42 Tir Mynydd 42 MP Doug Woolerton 42 Serps 42 Oeic 42 REINZ 42 TONY ABBOTT 42 Roth IRA conversion 42 Rollover IRA 42 TAFEs 42 Fincorp 42 scrappage scheme 42 Baroness Hollis 42 rollover IRA 42 RRIF 42 UCITS IV 42 Mr Entsch 42 general Turlough O'Sullivan 42 Medifund 42 Fletcher Building 42 Mr Eslake 42 Tau Henare 42 Katy Gallagher 42 NZRFU 42 Russell McVeagh 42 Vice Chancellors Committee 42 Pooled Registered Pension 42 Westpac ANZ 42 Information Packs HIPs 42 Section #C [002] 42 CGT taper relief 42 Skipton BS 42 Chapman Tripp 42 Homeworking 42 Feltex 42 Stamp Duty threshold 42 Newstart 42 NCWNZ 42 Ms Thorp 42 Minister Jenny Macklin 42 Mr Kalafatelis 42 RRSP withdrawals 42 Jobseeker Allowance JSA 42 Programmed Maintenance Services 42 polytechs 42 Fixed Rate ISA 42 Guinness Peat Group 42 CLERP 9 42 Compensation Scheme 42 Peter Costello 42 unreduced pension 42 Savings Certificates 42 Professor McKibbin 42 Saver Credit 42 Mr Hodgman 42 paybill 42 Carers Allowance 42 Plunket 42 Ageing Santo Santoro 42 Mr Shorten 42 Scrappage 42 Information Packs Hips 42 Grattan Institute 42 Simon Ripton 42 Mr Hartzer 42 income earners 42 ISA allowances 42 FuelWatch 42 FoI Act 42 ABCUL 42 Senator McLucas 42 Farmers Federation NFF 42 Homeowner Mortgage 42 SUPERANNUATION funds 42 Job Seekers Allowance 42 Jobseeker allowance 42 Aorangi 42 Combet 42 cross benchers 42 pensionable 42 LGIM 42 Craig Stobo 42 Lifesearch 42 Marie Shroff 42 AEGON Asset Management 42 IoD 42 Rudd Gillard 42 CYFS 42 LTV mortgages 42 ifs ProShare 42 HECS repayment 42 RAMSI 42 Liontrust 42 Northern Rock 42 ISPANZ 42 Permanent TSB 42 Thomsons Online Benefits 42 Mr. Poschmann 42 Libertarianz 42 Non Doms 42 UGMA UTMA 42 Apprentice Kickstart 42 Kensington Mortgages 42 7IM 42 Pensions Regulator TPR 42 RateCity 42 Employer Sponsored 42 Defined Contribution DC 42 Herald Digipoll 42 LV = 42 5c liter