Retirement Commission Te Ara Ahunga Ora
About
About Retirement Commissioner Retirement Commissioner What we do What we do Our people Our people Statement of Intent Statement of Intent Accountability documents Accountability documents Careers Careers Contact us Contact us
Statement of Intent Our strategic and performance framework Our strategic and performance framework What we do What we do Statistics and data Statistics and data How our work contributes to sector outcomes How our work contributes to sector outcomes Our strategic intentions Our strategic intentions Goals and objectives Goals and objectives Strategy summary Strategy summary Organisational health and capability Organisational health and capability
Policy
Policy Retirement income system Retirement income system NZ Super  NZ Super  KiwiSaver KiwiSaver Decumulation Decumulation Housing Housing He Mahere Māori He Mahere Māori Older People Older People Pacific Peoples Pacific Peoples Women Women 2022 Review of Retirement Income Policies 2022 Review of Retirement Income Policies Past reviews Past reviews
Retirement income system Purpose Statement for NZ’s Retirement Income System Purpose Statement for NZ’s Retirement Income System Policy Papers Policy Papers Policy resources Policy resources Older Persons Forum Older Persons Forum
2022 Review of Retirement Income Policies Terms of Reference Terms of Reference NZ Super NZ Super KiwiSaver KiwiSaver Decumulation Decumulation Housing Housing He Mahere Māori He Mahere Māori Pacific Peoples Pacific Peoples Women Women Older People Older People
Past reviews 2019 Review of Retirement Income Policies 2019 Review of Retirement Income Policies 2016 Review of Retirement Income Policies 2016 Review of Retirement Income Policies Pre 2013 Reviews Pre 2013 Reviews
2019 Review of Retirement Income Policies The big picture The big picture Work and the workforce Work and the workforce KiwiSaver KiwiSaver Home ownership Home ownership Making your money stretch Making your money stretch Who gets what? Who pays? Who gets what? Who pays? Policy research and reports Policy research and reports
2016 Review of Retirement Income Policies KiwiSaver KiwiSaver Decumulation Decumulation Ageing workforce Ageing workforce Who pays for what? Who pays for what? Vulnerable groups Vulnerable groups Who gets what? Who gets what? International picture International picture 2016 Review submissions 2016 Review submissions
Retirement Villages
Retirement Villages Our role Our role Resources for retirement village residents Resources for retirement village residents Resources for the retirement village industry Resources for the retirement village industry Complaints and disputes Complaints and disputes Act, Regulations & Codes Act, Regulations & Codes Monitoring and reports Monitoring and reports Events and other information Events and other information
Complaints and disputes Resolving complaints Resolving complaints The disputes process The disputes process Dispute notice forms Dispute notice forms Disputes panel members and agencies Disputes panel members and agencies Disputes panel decisions Disputes panel decisions More consumer protection More consumer protection
Act, Regulations & Codes Code of Practice Code of Practice Code of Residents' Rights Code of Residents' Rights Statutory supervisors Statutory supervisors Retirement villages industry at a glance Retirement villages industry at a glance
Monitoring and reports Monitoring reports Monitoring reports Reporting for operators Reporting for operators Consultation Consultation Legal framework report 2021 Legal framework report 2021
Financial Capability
Financial Capability What is financial capability? What is financial capability? The National Strategy for Financial Capability The National Strategy for Financial Capability Sorted Money Month Sorted Money Month Sorted Sorted Financial Capability Research Financial Capability Research Case studies Case studies Pacific Peoples Pathways to Homeownership Pacific Peoples Pathways to Homeownership
What is financial capability? Financial Resilience Financial Resilience
The National Strategy for Financial Capability Get in touch Get in touch National Strategy documents National Strategy documents Sign up to be a National Strategy partner Sign up to be a National Strategy partner National Strategy Partners conference recordings National Strategy Partners conference recordings De-jargoning Money De-jargoning Money Money Month workshop registration Money Month workshop registration
Sorted Sorted.org.nz Sorted.org.nz Sorted in Schools Sorted in Schools Sorted at Work Sorted at Work Sorted in Communities Sorted in Communities Sorted Money Month Sorted Money Month Sorted Money Week Sorted Money Week
Financial Capability Research OECD core competency frameworks OECD core competency frameworks Sorted in Schools Research Sorted in Schools Research COVID-19 Research COVID-19 Research PPPH Research PPPH Research
Sorted at Work Sorted at Work Programme Sorted at Work Programme Affiliated Facilitators Affiliated Facilitators
Whanaketanga Māori
Whanaketanga Māori Māori Development Māori Development Whanaketanga Māori Whanaketanga Māori
News
News Latest news Latest news Newsletters Newsletters
Latest news New Sorted Mortgage Calculator lets New Zealanders compare interest rate scenarios in real time New Sorted Mortgage Calculator lets New Zealanders compare interest rate scenarios in real time 2023 Wellbeing Budget: Retirement Commissioner Response 2023 Wellbeing Budget: Retirement Commissioner Response New research reveals prevalence of employers not paying KiwiSaver on top of earnings New research reveals prevalence of employers not paying KiwiSaver on top of earnings Research reveals New Zealanders are willing to make trade-offs to keep the pension age at 65 Research reveals New Zealanders are willing to make trade-offs to keep the pension age at 65 New Zealand’s approach to financial education for Māori highlighted at OECD event New Zealand’s approach to financial education for Māori highlighted at OECD event Retirement Commissioner welcomes the wide scope of the review of the Retirement Villages Act 2003 Retirement Commissioner welcomes the wide scope of the review of the Retirement Villages Act 2003
Newsletters April 2023 – Quarterly Stakeholder Newsletter April 2023 – Quarterly Stakeholder Newsletter November 2022 – Quarterly Stakeholder Newsletter November 2022 – Quarterly Stakeholder Newsletter August 2022 – Quarterly Stakeholder Newsletter August 2022 – Quarterly Stakeholder Newsletter March 2022 – Quarterly Stakeholder Newsletter March 2022 – Quarterly Stakeholder Newsletter
Retirement Commission Te Ara Ahunga Ora
About 
Policy 
Retirement Villages 
Financial Capability 
Whanaketanga Māori 
News 
Retirement Commission Te Ara Ahunga Ora
Back
About
Retirement Commissioner
What we do
Our people
Statement of Intent 
Accountability documents
Careers
Contact us
Retirement Commission Te Ara Ahunga Ora
Back to About
Statement of Intent
Our strategic and performance framework
What we do
Statistics and data
How our work contributes to sector outcomes
Our strategic intentions
Goals and objectives
Strategy summary
Organisational health and capability
Retirement Commission Te Ara Ahunga Ora
Back
Policy
Retirement income system 
NZ Super 
KiwiSaver
Decumulation
Housing
He Mahere Māori
Older People
Pacific Peoples
Women
2022 Review of Retirement Income Policies 
Past reviews 
Retirement Commission Te Ara Ahunga Ora
Back to Policy
Retirement income system
Purpose Statement for NZ’s Retirement Income System
Policy Papers
Policy resources
Older Persons Forum
Retirement Commission Te Ara Ahunga Ora
Back to Policy
2022 Review of Retirement Income Policies
Terms of Reference
NZ Super
KiwiSaver
Decumulation
Housing
He Mahere Māori
Pacific Peoples
Women
Older People
Retirement Commission Te Ara Ahunga Ora
Back to Policy
Past reviews
2019 Review of Retirement Income Policies 
2016 Review of Retirement Income Policies 
Pre 2013 Reviews
Retirement Commission Te Ara Ahunga Ora
Back to Past reviews
2019 Review of Retirement Income Policies
The big picture
Work and the workforce
KiwiSaver
Home ownership
Making your money stretch
Who gets what? Who pays?
Policy research and reports
Retirement Commission Te Ara Ahunga Ora
Back to Past reviews
2016 Review of Retirement Income Policies
KiwiSaver
Decumulation
Ageing workforce
Who pays for what?
Vulnerable groups
Who gets what?
International picture
2016 Review submissions
Retirement Commission Te Ara Ahunga Ora
Back
Retirement Villages
Our role
Resources for retirement village residents
Resources for the retirement village industry
Complaints and disputes 
Act, Regulations & Codes 
Monitoring and reports 
Events and other information
Retirement Commission Te Ara Ahunga Ora
Back to Retirement Villages
Complaints and disputes
Resolving complaints
The disputes process
Dispute notice forms
Disputes panel members and agencies
Disputes panel decisions
More consumer protection
Retirement Commission Te Ara Ahunga Ora
Back to Retirement Villages
Act, Regulations & Codes
Code of Practice
Code of Residents' Rights
Statutory supervisors
Retirement villages industry at a glance
Retirement Commission Te Ara Ahunga Ora
Back to Retirement Villages
Monitoring and reports
Monitoring reports
Reporting for operators
Consultation
Legal framework report 2021
Retirement Commission Te Ara Ahunga Ora
Back
Financial Capability
What is financial capability? 
The National Strategy for Financial Capability  
Sorted Money Month
Sorted 
Financial Capability Research 
Case studies
Pacific Peoples Pathways to Homeownership
Retirement Commission Te Ara Ahunga Ora
Back to Financial Capability
What is financial capability?
Financial Resilience
Retirement Commission Te Ara Ahunga Ora
Back to Financial Capability
The National Strategy for Financial Capability
Get in touch
National Strategy documents
Sign up to be a National Strategy partner
National Strategy Partners conference recordings
De-jargoning Money
Money Month workshop registration
Retirement Commission Te Ara Ahunga Ora
Back to Financial Capability
Sorted
Sorted.org.nz
Sorted in Schools
Sorted at Work 
Sorted in Communities
Sorted Money Month
Sorted Money Week
Retirement Commission Te Ara Ahunga Ora
Back to Sorted
Sorted at Work
Sorted at Work Programme
Affiliated Facilitators
Retirement Commission Te Ara Ahunga Ora
Back to Financial Capability
Financial Capability Research
OECD core competency frameworks
Sorted in Schools Research
COVID-19 Research
PPPH Research
Retirement Commission Te Ara Ahunga Ora
Back
Whanaketanga Māori
Māori Development
Whanaketanga Māori
Retirement Commission Te Ara Ahunga Ora
Back
News
Latest news 
Newsletters 
Retirement Commission Te Ara Ahunga Ora
Back to News
Latest news
New Sorted Mortgage Calculator lets New Zealanders compare interest rate scenarios in real time
2023 Wellbeing Budget: Retirement Commissioner Response
New research reveals prevalence of employers not paying KiwiSaver on top of earnings
Research reveals New Zealanders are willing to make trade-offs to keep the pension age at 65
New Zealand’s approach to financial education for Māori highlighted at OECD event
Retirement Commissioner welcomes the wide scope of the review of the Retirement Villages Act 2003
Retirement Commission Te Ara Ahunga Ora
Back to News
Newsletters
April 2023 – Quarterly Stakeholder Newsletter
November 2022 – Quarterly Stakeholder Newsletter
August 2022 – Quarterly Stakeholder Newsletter
March 2022 – Quarterly Stakeholder Newsletter
Search

Popular Topics

Decumulation

Back to 2022 Review of Retirement Income Policies
Retirement income system
Purpose Statement for NZ’s Retirement Income System
Policy Papers
Policy resources
Older Persons Forum
NZ Super 
KiwiSaver
Decumulation
Housing
He Mahere Māori
Older People
Pacific Peoples
Women
2022 Review of Retirement Income Policies
Terms of Reference
NZ Super
KiwiSaver
Decumulation
Housing
He Mahere Māori
Pacific Peoples
Women
Older People
Past reviews
2019 Review of Retirement Income Policies
The big picture
Work and the workforce
KiwiSaver
Home ownership
Making your money stretch
Who gets what? Who pays?
Policy research and reports
2016 Review of Retirement Income Policies
KiwiSaver
Decumulation
Ageing workforce
Who pays for what?
Vulnerable groups
Who gets what?
International picture
2016 Review submissions
Pre 2013 Reviews
Home Page Link Icon Policy 2022 Review of Retirement Income Policies Decumulation

The 2022 RRIP investigated decumulation – the process by which savings and investments are used to pay for retirement – “drawing down savings.”

Research found that more education is required to support New Zealanders using their savings in retirement, including guidance and “rules of thumb” for spending their KiwiSaver.

  • Media release: Cracking open the nest egg - how to spend your savings in retirement

  • Decumulation: Policy Insights

    770KB pdf
TE ARA AHUNGA ORA
  • About us / what we do
  • Statement of Intent
  • Review of Retirement Income Policies
  • Accountability documents
  • Make an Official Information request
  • Privacy
  • News
  • Careers
  • Contact us
  • 09 356 0052
  • office@retirement.govt.nz
PRODUCTS
  • Sorted.org.nz
  • Sorted Smart Investor
  • Sorted in Schools
  • Sorted at Work
  • Sorted in Communities
  • Sorted Resources
Social Media
  • Linkedin
  • Facebook
  • Twitter
  • YouTube
shielded
Toitū Envirocare
© Te Ara Ahunga Ora Retirement Commission
New Zealand Government
Toitū Envirocare