新西兰老龄化人口对其退休制度施加压力,促使进行12项改革,以促进KiwiSaver和NZ Super的长期稳定。 New Zealand's aging population pressures its retirement system, prompting 12 reforms to boost KiwiSaver and NZ Super for long-term stability.

新西兰的退休制度面临着人口老化和劳动力萎缩带来的越来越大的压力,预计到2050年,退休人员人数超过工人的人数将增至每100名工人中38人。 New Zealand’s retirement system faces growing pressure from an aging population and shrinking workforce, with retirees outnumbering workers projected to rise to 38 per 100 workers by 2050. 退休委员会2025年的一项审查建议进行12项改革,以加强KiwiSaver和NZ Super,包括政府为低收入者提供有针对性的捐款,扩大向65岁以上的人和临时签证持有者开放的机会,以及让儿童从出生起就进入KiwiSaver。 A 2025 review by the Retirement Commission recommends 12 reforms to strengthen KiwiSaver and NZ Super, including targeted government contributions for low-income earners, expanding access to those over 65 and temporary visa holders, and enrolling children in KiwiSaver from birth. 报告敦促禁止全面薪酬政策,规定雇主向老年工人缴款,并设立一个“侧车”储蓄账户,以管理紧急情况,而不动用退休基金。 The report urges banning total remuneration policies, mandating employer contributions for older workers, and creating a “sidecar” savings account to manage emergencies without tapping retirement funds. 这些变革旨在改善公平、可持续性和长期财政安全,呼吁开展跨党派合作,制定为期10年的国家路线图,以确保稳定、包容性的退休政策。 These changes aim to improve equity, sustainability, and long-term financial security, with calls for cross-party cooperation and a 10-year national roadmap to ensure stable, inclusive retirement policy.