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• Pensions are not prepaid – just because you have worked all your life doesnt mean you have “saved” for your pension. • KiwiSaver was initially conceived because the 71 years 1952-2023 Gunsmoke thank you for the memories signatures shirt Also,I will get this Government at the time understood the rising cost of pensions wanted to reduce the impact on the balance sheet. KiwiSaver is an attempt to transition from a Pay as You Go (ie current tax payers support current beneficiaries) to a Save as you Go (current workers saver for their own retirement) pension structure. Note that this also reduces some of the risk from the Government and places it on individuals. • KiwiSaver providers have widely different outcomes depending on the funds offered which impacts the outcome for investors. Its entirely possible that two different people earning and contributing the same amount to KiwiSaver will have very different outcomes based on their choice of provider. This choice is made by individuals in a country with a low level of financial literacy (investment literacy is even lower). • The NZ Super Fund was initially supposed to bridge the gap for the generational cohort that wouldn’t be able to contribute for their entire working lives to KiwiSaver. That is, the people that were already in the workforce prior to the introduction of KiwiSaver. The NZ Super Fund will starting supporting pension payments from around 2035.
71 years 1952-2023 Gunsmoke thank you for the memories signatures shirt, hoodie, tank top, sweater and long sleeve t-shirt
• Pension costs will certainly rise in the 71 years 1952-2023 Gunsmoke thank you for the memories signatures shirt Also,I will get this future. But demographic studies show that the current generation of retirees is currently the largest and therefore the most expensive. So These costs may peak, though its very hard to predict the future. Due to increasing use of robotics and AI we could have a significant decline in workers and therefore tax payers in the future which could increase the cost of pensions further. Modelling this and forecasting it is very difficult. • Current contribution rates to KiwiSaver are almost certainly too low to make a real difference to most people. Australia is a great example of this, where they have people that have contributed to Super for their entire working lives retiring. Some of these people have relatively small Super balances that need to last them a long time, others have very large balances. Australia also has some tax concessions to contribute to Super.
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| Size | Length | Chest |
|---|---|---|
| S | 28in | 18in |
| M | 29in | 20in |
| L | 30in | 22in |
| XL | 31in | 24in |
| 2XL | 32in | 26in |
| 3XL | 33in | 28in |
| 4XL | 34in | 30in |
| 5XL | 35in | 32in |
| Size | Length | Chest |
|---|---|---|
| S | 25in | 16in |
| M | 26in | 17in |
| L | 26.5in | 18in |
| XL | 27in | 19.7in |
| 2XL | 27.9in | 21.6in |
| 3XL | 28.5in | 22.7in |
| Size | Length | Chest |
|---|---|---|
| S | 28in | 18in |
| M | 29in | 20in |
| L | 30in | 22in |
| XL | 31in | 24in |
| 2XL | 32in | 26in |
| 3XL | 33in | 28in |
| Size | Length | Chest | Sleeve |
|---|---|---|---|
| S | 26in | 20in | 33.5in |
| M | 27in | 22in | 34.5in |
| L | 28in | 24in | 35.5in |
| XL | 29in | 26in | 36.5in |
| 2XL | 30in | 28in | 37.5in |
| 3XL | 31in | 30in | 38.5in |
| 4XL | 32in | 32in | 38.5in |
| 3XL | 34in | 33in | 38.5in |
| Size | Length | Chest |
|---|---|---|
| S | 27in | 18in |
| M | 28in | 20in |
| L | 29in | 22in |
| XL | 30in | 24in |
| 2XL | 31in | 26in |
| Size | Length | Chest | Sleeve |
|---|---|---|---|
| S | 28in | 18in | 33.5in |
| M | 29in | 20in | 35in |
| L | 30in | 23in | 36.5in |
| XL | 31in | 24in | 38in |
| 2XL | 32in | 26in | 39.5in |
| 3XL | 33in | 28in | 39.5in |
| Size | Length | Chest | Sleeve |
|---|---|---|---|
| S | 27in | 20in | 34.5in |
| M | 28in | 22in | 35.5in |
| L | 29in | 24in | 36.5in |
| XL | 30in | 26in | 37.5in |
| 2XL | 31in | 28in | 38.5in |
| 3XL | 32in | 30in | 39in |
| 4XL | 33in | 32in | 39.5in |
| 5XL | 34in | 34in | 40in |
| Size | Youth Size | Length | Chest |
|---|---|---|---|
| S | 6-8 | 20.5in | 16in |
| M | 10-12 | 22in | 17in |
| L | 14-16 | 23.5in | 18in |
| XL | 18-20 | 25in | 19in |
| Size | Youth Size | Length | Chest |
|---|---|---|---|
| S | 6-8 | 21in | 17in |
| M | 10-12 | 22.5in | 18in |
| L | 14-16 | 24in | 19in |
| XL | 18-20 | 25.5in | 20in |
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