2022 Arotake o ngā Kaupapahere Moniwhiwhi Ahungarua 2022 Review of Retirement Income Policies

Kaupapahere me te rangahau | Policy and Research

2022 Review Topics


If you would like to make a submission on any aspect covered by the Terms of Reference for the 2022 Review of Retirement Income Policies please click here.


Terms of Reference

The Government has released the Terms of Reference for the 2022 Review of Retirement Income Policies along with its response to the 2019 review.

Te Ara Ahunga Ora will now work on the 2022 RRIP and deliver a report to the Minister of Commerce and Consumer Affairs, Hon Dr David Clark by the end of 2022.

The Terms of Reference are:


1. An update and commentary on the developments and emerging trends in retirement income policy since the 2019 review, both within New Zealand and internationally.

2. The impact of government policy on the retirement savings outcomes and experiences of Māori as Treaty partners, and of Pacific Peoples and women.

3. Ensuring the 2022 Review of Retirement Income Policies has sufficient use of distributional analysis, cultural and gender lenses to understand the different impacts of retirement policies across New Zealand.


4. New non-government initiatives to encourage people to save in a complex COVID environment, in collaboration with the private sector.


5. Policy considerations (including design and product availability) for decumulation of retirement savings from KiwiSaver and other retirement savings schemes and assets after reaching the age of NZ Super eligibility.

6. Policy considerations arising from the exclusion of people from KiwiSaver who hold temporary, visitor, work or student visas.

NZ Super

7. Income adequacy of NZ Super for future retirees who are renting a home or do not own their own home outright.

8. The impact on retirement income adequacy, and retirement planning for New Zealanders who live abroad, of the proposed change to a 20-year residency eligibility period for NZ Super.


9. How diverse housing options for seniors would have different impacts on pre-retirement savings and retirement income. The work should be complementary to that undertaken by the Office for Seniors and other relevant agencies.