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(Click for frequent words.) 81 KiwiSaver 79 Kiwisaver 68 superannuation 67 Kiwi Saver 65 compulsory superannuation 64 MySuper 64 KiwiSavers 63 NZ Superannuation 63 stakeholder pensions 63 KiwiSaver schemes 63 Kiwisaver scheme 62 Superannuation 61 occupational pension 61 NPSS 61 NZ Superannuation Fund 60 GESB 59 KiwiSaver Scheme 59 compulsory superannuation contributions 59 compulsory annuitisation 58 pension schemes 58 compulsory superannuation scheme 58 SMSF 58 dividend imputation 58 CTFs 58 AustralianSuper 58 Superannuation Fund 58 superannuation surcharge 57 Sunsuper 57 annuitisation 57 Kiwibank 57 RaboPlus 57 superannuants 56 Superannuation Guarantee 56 PRSAs 56 Stakeholder pensions 56 superannuitants 56 Australia ASFA 56 QROPS 56 superannuation entitlements 56 SMSFs 55 indexation 55 Savings Scheme NPSS 55 OnePath 55 UniSuper 55 RDSP 55 PRPP 55 Retail Deposit Guarantee 55 Superannuation Funds 55 SMSF trustees 54 RSE scheme 54 Isas 54 undeducted contributions 54 Paid Parental Leave 54 undeducted contribution 54 SSIA scheme 54 SuperGold Card 54 childcare rebate 54 PIEs 54 AOFM 53 Insurance Contributions NICs 53 PPF levy 53 QSuper 53 FundsNetwork 53 occupational pensions 53 Pauline Vamos 53 SSIAs 53 LGPS 53 ShapeNZ survey 53 SIPPs 53 PRSI contributions 53 Pension SIPP 52 RaboDirect 52 ANZO 52 Westscheme 52 Hon BILL ENGLISH 52 SSIA holders 52 TFSA 52 imputation credits 52 indexation allowance 52 MTAA Super 52 SuperGold card 52 Mr Modray 52 NZSF 52 Fund PPF 52 Huljich Wealth Management 52 Individual Savings Accounts 52 Qrops 51 CGT exemption 51 Registered Disability 51 PRPPs 51 S2P 51 HESTA 51 Savings Scheme 51 SuperStream 51 Default Retirement 51 HECS 51 Isa allowance 51 AUSFTA 51 StartUp Britain 51 Simon Carlaw 51 Urbus 51 AWD Chase 51 Superannuation Trustees 51 Tax Simplification 51 Mrs Tolley 51 GST 51 Pension Scheme NPS 51 Regular Saver 51 Medibank Private 51 SAYE schemes 51 thomsons online benefits 51 Sipps 51 RESPs 50 KiwiBank 50 SFLG 50 Thomsons Online Benefits 50 MGM Advantage 50 Steve Maharey 50 Commissioner Diana Crossan 50 FirstChoice 50 AWAs 50 Rowanmoor Pensions 50 UnitedFuture 50 National Rental Affordability 50 Emissions Trading Scheme 50 Carbon Pollution Reduction Scheme 50 Fidelity FundsNetwork 50 lifestyling 50 WorkChoices 50 ShareBuilder #k 50 RRSPs 50 COSBOA 50 Emissions Trading Scheme ETS 50 Fly Buys 50 Compulsory superannuation 50 Employees Superannuation 50 OAMPS 50 Ms Farnish 50 Apprentice Kickstart 50 Superpartners 50 TFSAs 50 Mineral Resource Rent 50 Transfund 50 Rowanmoor 50 Diana Crossan 50 PHOs 50 PayGlobal 50 Tertiary Education Commission 50 SUPERANNUATION 50 AVCs 50 ITEAs 50 Scottish Widows 49 non contributory pension 49 VCTs 49 Smartshares 49 Cbus 49 super annuation 49 maxi Isa 49 cash Isas 49 Maharey 49 IAPF 49 ISAs 49 Pooled Registered Pension Plan 49 Vebnet 49 QDIA 49 ISA allowance 49 Investec Cautious Managed 49 Axa Wealth 49 Personal Accounts 49 Hon STEVE MAHAREY 49 stakeholder CTFs 49 Coverdells 49 Qualifying Recognised Overseas 49 Isa savers 49 EMDG scheme 49 Sharesave 49 LUCRF 49 Ms Ridout 49 FNZ 49 Fuelwatch scheme 49 NATSEM 49 Remuneration Tribunal 49 concessional contributions 49 annuitise 49 Saving Scheme NPSS 49 bracket creep 49 mini Isas 49 CPP QPP 49 Self Invested Personal 49 contributory pensions 49 Defined Benefit DB 49 Fair Fuel Stabiliser 49 Work Choices 49 Pensions Regulator TPR 49 Workplace Agreements 49 Job Ops 49 Weaven 49 Whanau Ora 49 SSASs 49 EFRBS 49 Hostplus 49 Trust NEST 49 Deposit Guarantee Scheme 49 DNZ Property Fund 49 PPFs 49 Paid maternity 49 TVOne Agenda 49 Oeic 49 SSIA savers 49 Domestic Purposes Benefit 49 FuelWatch scheme 49 Dr Brash 49 Boiler Scrappage Scheme 49 Westpac 49 stakeholder CTF 49 Punter Southall 49 Dr Bollard 49 Pupil Premium 49 Finsia 49 Craig Stobo 49 NZVIF 48 Praemium 48 Cash ISAs 48 Pension Bima Yojana 48 ACOSS 48 Peter Huljich 48 ISA allowances 48 Coverdell accounts 48 NPRF 48 FRS# accounting standard 48 concessionally taxed 48 ISA wrapper 48 CIPFA 48 ELSS schemes 48 asset allocation 48 AMP AXA 48 Mr Maharey 48 Superannuation Scheme 48 ipac 48 VicSuper 48 AXA Wealth 48 Work Choices legislation 48 Scheme HECS 48 Stamp duty 48 LLPs 48 Carbon Reduction Commitment 48 Flexible Lifetime 48 NZUSA 48 WorkChoices legislation 48 Investment Schemes 48 Modern Apprenticeships 48 Paymentshield 48 Pooled Registered Pension 48 tertiary education 48 VFMC 48 FSCP 48 Thinc 48 Pete Hodgson 48 FirstAssist 48 Macquarie Fortress 48 UCITS IV 48 Calman proposals 48 BNZ 48 pensionable salary 48 NPPF 48 fee maxima 48 SIPP 48 Coverdell ESAs 48 NHS Pension Scheme 48 Avanteos 48 employers PRSI 48 LDI strategies 48 Hon TREVOR MALLARD 48 contestability 48 RBS Intermediary Partners 48 childcare voucher 48 CDEP 48 TAFEs 48 Dunnin 48 pension S2P 48 Lifeplan 48 Austudy 48 RDSPs 48 pensionable age 48 SIMPLE IRA 48 Job Seeker Allowance 48 FirstBuy scheme 48 CGT taper relief 48 RSPT 48 SAYE 48 skilled migrants 48 polytechs 48 unreduced pension 48 contributory pension scheme 48 Herald DigiPoll 48 5c liter 48 PruProtect 47 WorkCover premiums 47 mortgage repayments 47 COMMONWEALTH Bank 47 Homebuy scheme 47 Iress 47 TelstraClear 47 Vice Chancellors Committee 47 NAPF 47 Sickness Benefit 47 Don Brash 47 PPF 47 Coverdell ESA 47 New Zealanders 47 CommInsure 47 Individual Savings Account 47 Pension Protection 47 CRIs 47 CCCTB 47 sharemarket 47 Ssas 47 Trust Funds CTFs 47 SSIA 47 Huljich KiwiSaver 47 Retirement Savings Accounts 47 HECS fees 47 uprating 47 Unit Trusts 47 7IM 47 Incapacity Benefits 47 PRSI ceiling 47 Teachers Pension Scheme 47 HECS HELP 47 Retirement Savings Account 47 BPay 47 MedicarePlus 47 IB claimants 47 Peseta Sam Lotu Iiga 47 ING Direct Savings Account 47 Spark Infrastructure 47 HLB Mann Judd 47 PAYE 47 Guinness Peat 47 LGIM 47 Accident Compensation Corporation 47 Children Regular Saver 47 Pension Funds NAPF 47 Fundsmith 47 ASFA 47 mydeposits.co.uk 47 MRRT 47 car scrappage scheme 47 Defined Benefit pension 47 GUYON 47 Mzansi account 47 Yahoo! Xtra 47 Annuity Direct 47 Nasfund 47 FRSSE 47 UFB initiative 47 RRSP contributions 47 personal pensions SIPPs 47 Service ACOSS 47 Principality Building Society 47 NZMA 47 NZCS 47 Te Puni Kokiri 47 Free Savings Accounts 47 Minister Steve Maharey 47 Nurses Organisation NZNO 47 IFAs 47 Defined Benefit 47 RRSP 47 Finzsoft 47 mutuals 47 BankDirect 47 David Cunliffe 47 Pensions SIPPs 47 concessionary fares scheme 47 employer PRSI 47 ihug 47 NZRFU 47 supertax 47 subvention scheme 47 boiler scrappage scheme 47 Himbury 47 Cuscal 47 MediShield 47 Reits 47 van Eyk Research 47 EI premiums 47 Senator Harradine 47 Superannuation Trustees AIST 47 Leader Rodney Hide 47 SuperRatings 47 PPRS 47 Dr Foskey 47 Lifetime Savings Account 47 Mr Frazis 47 Vhi Healthcare 47 flexitime 46 BPAY 46 Lees Galloway 46 Cater Allen 46 forestry MIS 46 Prime Minster Kevin Rudd 46 homeworking 46 LSIF 46 FJF 46 Kidicorp 46 GGOF 46 Perpetual Trustees 46 Dr Mapp 46 Hon PHIL HEATLEY 46 Stakeholder Pension 46 Investments NS 46 Pengana Managers 46 SmartCompany 46 multiemployer defined 46 Renewables Obligation RO 46 Defined Benefit Plans 46 REANNZ 46 MacarthurCook 46 Fundisa 46 SIPPS 46 Moana Mackey 46 Suicide Prevention Strategy 46 Bima Nivesh 46 HiPortfolio 46 Australian Workplace Agreements 46 LSIFs 46 Contributory Pension Scheme 46 Marac 46 Wool Equities 46 JBWere 46 MP Doug Woolerton 46 FSCS 46 welfare quarantining 46 Clutha Southland 46 Mr Ciobo 46 APRA regulated 46 RBSI 46 Work Choices laws 46 deferred variable annuity 46 Herald DigiPoll survey 46 Denticare 46 Buddle Findlay 46 Schroder Income Maximiser 46 Incapacity Benefit claimants 46 Mainspring Managed 46 Medisave 46 SPARTECA 46 Towergate Financial 46 triennial valuation 46 Pensionskassen 46 Saver Accounts 46 Medishield 46 SimplyBiz 46 SIMPLE IRAs 46 Pension Reform Act 46 Mr Hartzer 46 BT Pension Scheme 46 Pension Scheme 46 Loan Guarantee Scheme 46 HM Treasury 46 2plan 46 SABRA LANE 46 Professor McKibbin 46 CLERP 9 46 IncomeFlex 46 Dairy InSight 46 Pengana 46 Statewide Superannuation 46 Assistance Scheme 46 Prompt Payment Code 46 General Employee Entitlements 46 IAS# [002] 46 Dr MICHAEL CULLEN 46 accounts HSAs 46 redundancy entitlements 46 Newstart allowance 46 Association NZUSA 46 Mineral Resources Rent 46 Childcare vouchers 46 Workfare 46 Huljich 46 Mr Tamihere 46 Medibank 46 AEGON Asset Management 46 Sustaining Progress 46 Rt Hon HELEN CLARK 46 IOOF Holdings 46 Workchoices 46 Tir Mynydd 46 Tertiary Education Strategy 46 incentivisation 46 HomeBuy scheme 46 RRIF withdrawal 46 undeducted 46 MVRs 46 Ucits IV 46 personal pensions Sipps 46 FundSource 46 Sue Moroney 46 5per cent 46 Carers Strategy 46 Witan 46 minimum wage NMW 46 Serps 46 Working Tax Credits 46 Child Tax Credits 46 Staples Rodway 46 prudential regulator 46 HCRs 46 PBGF 46 taxfree 46 insurer MBF 46 Liontrust 46 Excelior 46 Skipton BS 46 Risk Equalisation 45 Association IFSA 45 NZMEA 45 IFAonline 45 Pension Schemes 45 Grandfathered plans 45 Medshield 45 Fonterra 45 Carbon Reduction Commitment CRC 45 ROTH IRA 45 PRSI 45 Programmed Maintenance Services 45 Unemployment Benefit 45 Jay Weatherill 45 Cofunds 45 Trustees Executors 45 Lifesearch 45 Economic Modelling NATSEM 45 Recognised Seasonal Employer 45 Roth Individual Retirement 45 Trevor Mallard 45 Ms Tizard 45 NZRFG 45 FHOG 45 NCEA 45 polytech 45 Superannuation Investors 45 InvestorWeb 45 OFRs 45 EITE 45 Ms Radisich 45 EPF contributors 45 Saver Credit 45 Glenrand 45 childcare vouchers 45 Scottish Equitable 45 NZEI 45 Selestia 45 Equitable Life policyholders 45 Savings Accounts 45 life assurers 45 FoI Act 45 Hymans Robertson 45 redundancy payouts 45 Lifetime Savings Accounts 45 FSSC 45 Equititrust 45 Van Der Wielen 45 Modern Apprenticeship scheme 45 Assureweb 45 Remuneration Authority 45 FRS# 45 tax deductibility 45 Grattan Institute 45 Individual Voluntary Arrangement 45 DNZ 45 Qualified Default 45 MRET 45 Winz 45 ISA savers 45 PACER Plus 45 Icas 45 insurer NIB 45 STEPHEN LONG 45 Farepak Response Fund 45 Homebuy Direct 45 Mattioli Woods 45 Invesco Trimark Ltd. 45 MARAC 45 NZIER 45 Intergenerational Report 45 RSPs 45 union Finsec 45 Prudential Regulatory Authority 45 CPRS 45 ACTTAB 45 Espreon 45 CTF vouchers 45 NEWS WRAP 45 Disability Savings 45 non domiciliaries 45 Resilience Package 45 Consumer Guarantees 45 Helen Clark 45 Bluefin Advisory 45 specie transfers 45 CTF voucher 45 HOSTPLUS 45 Quebec Pension Plan 45 NZICA 45 LifeSearch 45 InternetNZ 45 RRSP contribution room 45 CLHIA 45 Directgov 45 insurer Medibank Private 45 NOIE 45 Roth IRAs 45 NHHRC 45 SSIA accounts 45 Infratil 45 Taper Relief 45 NZNO 45 Tir Gofal 45 ABCUL 45 Mr D' Ascenzo 45 nondeductible IRAs 45 Incentive Scheme 45 HSAs 45 Pre Budget 45 AGIMO 45 complying superannuation 45 FEE HELP 45 GROCERYchoice website 45 RESP 45 GPPs 45 Xantium 45 Opposition Leader Rob Kerin 45 Bridgecorp 45 Mr D' Aloisio 45 Witan Investment Trust 45 Ms Plibersek 45 Craigs Investment Partners 45 Andrew Gawith 45 CallPlus 45 Simplyhealth 45 SAYE scheme 45 general Turlough O'Sullivan 45 Mzansi Account 45 Dr Kiro 45 Delivery Authority PADA 45 AMPFP 45 fiscally neutral 45 RTFO 45 EPF 45 Homebuy 45 LOUISE YAXLEY 45 Lachie McLeod 45 PBRF 45 moneyback 45 Employment Subsidy Scheme 45 Jeevan Akshay 45 Incapacity Benefit 45 Mr Botherway 45 Maori Party 45 Statutory Sick Pay 45 stamp duty 45 NZQA 45 Regular Saver account 45 Pension Plan 45 transtasman flights 45 Affco 45 Savings Incentive 45 Russell McVeagh 45 HOOPP 45 OANZ 45 RRSP withdrawals 45 statutory redundancy 45 SEP IRA 45 jobseekers allowance 45 concessionary fares 45 Iwi Leaders Group 45 Inheritance Tax 45 Vividwireless 45 IncomePlus 45 Brookson 44 Clerical Medical 44 MedicarePlus package 44 Rodney Hide 44 Edelweiss MF 44 Savings Plan RDSP 44 AfI 44 Skipton Guernsey 44 Denplan 44 Modray 44 Fuelwatch 44 Skills Pledge 44 Baycorp 44 Mandatory Provident Fund 44 Perpetual Trustees Australia 44 Apprenticeship Incentive Grant 44 Hillross 44 fully franked dividends 44 NSITF 44 Ms Dalziel 44 RLAM 44 Roth IRA 44 Invesco Trimark 44 Roth IRA conversion 44 Selestia Investment Solutions 44 MRET scheme 44 Balanced Managed 44 LYNDAL CURTIS 44 Dexion Absolute 44 Baigrie Davies 44 Utilico 44 Equalities Review 44 Direct Taxes Code 44 Solo #k 44 Bankwest 44 Benenden Healthcare 44 Equalities Office 44 Eligible Liabilities 44 nondeductible IRA 44 Colmar Brunton 44 Charcol 44 clawback mechanism 44 Lib Dem Vince Cable 44 Sex Discrimination Act 44 bonus malus system 44 AIFRS 44 PrimeAg 44 IRA Roth IRA 44 Stamp Duty Land 44 Treasurer Andrew Refshauge 44 MyChoice HomeBuy 44 Towry Law 44 NZVCC 44 VIVAS Health 44 gotalk 44 Ucis 44 telco AAPT 44 Compensation Scheme 44 FNPF 44 GroceryChoice website 44 WorldAudio 44 pensions 44 Jobseekers allowance 44 Kevin Podmore 44 franking credits 44 Bravura Solutions 44 Renewables Obligation 44 MySchool website 44 TERs 44 Laganside Corporation 44 Skilled Migrant Category 44 prudential framework 44 Tranz Rail 44 Student Loan Scheme 44 By KENT ATKINSON 44 Carer Allowance 44 Fixed Rate ISA 44 Inland Revenue 44 Precise Mortgages 44 LUCRF Super 44 UTI Retirement 44 Savings Maximiser 44 NZAid 44 non domiciles 44 smokefree legislation 44 ETS 44 wananga 44 Voluntary Sector 44 Opposition frontbench 44 MyChoiceHomeBuy 44 CoreData 44 ALEXANDRA KIRK 44 eG Capital 44 Bernie Ripoll 44 OptiMix 44 wage indexation 44 Ageing Santo Santoro 44 Higher Education Contribution Scheme 44 Perennial Value 44 Syscap 44 FiTs 44 proc fees 44 TVNZ 44 elective deferral 44 EziBuy 44 Nationwide FlexAccount 44 lolly scramble 44 Westpac ANZ 44 Attendance Allowance 44 Leader Phil Goff 44 Paula Rebstock 44 Wool Grower Holdings 44 Centrelink 44 Recognised Seasonal Employer RSE 44 CLRG 44 Asteron 44 Clr Khan 44 Hon ANNE TOLLEY 44 Onesource 44 Quotential 44 Wyatt Creech 44 Newstart Allowance 44 #k #b 44 Infometrics 44 BDO Kendalls 44 DEEWR 44 Jim Anderton 44 Gershon Review 44 FERS retirement 44 Wesfarmers 44 FEHBP enrollees 44 0pc 44 Treasurer Troy Buswell 44 David Deverall 44 PAYG installments 44 contributions NICs 44 Mr Kalafatelis 44 Savings Certificates 44 workers union Finsec 44 lender SVR 44 NZSE 44 Cairns Lockie 44 chancellor Alistair Darling 44 Organisation EPFO 44 NZICT 44 Laila Harre 44 Metlifecare 44 Cassandra Goldie 44 demutualising 44 Vhi 44 Jaye Radisich 44 Orcon 44 Glenn Byres 44 stapled securities 44 HEFCE 44 Welsh Baccalaureate 44 Suncorp Metway Ltd 44 superannuation payouts 44 JOHCM 44 Friends Prov 44 Jackgreen 44 AFS licensees 44 Program FEHBP 44 cross benchers 44 Cicutto 44 Producer Offset 44 Skipton Building Society 44 PGG Wrightson 44 ALIL 44 Wine Equalisation Tax 44 Additional Voluntary Contributions 44 Isa wrapper 44 Torquil Clark 44 Gain Supplement 44 gross AER 44 HELEN COONAN 44 GEPF 44 ASX# [002] 44 Market HomeBuy 44 Intelledox 44 Djerriwarrh Investments 44 Social HomeBuy 44 GST clawback 44 Dexus 44 Government Actuary 44 SEQUAL 44 NZTE 44 scheme ETS 44 AbaF 44 Auslink 44 Jobseekers Allowance 44 CWDC 44 FSAs 44 HSA 44 Ugift 44 Secondary Principals Council 44 Bonus Scheme 44 2degrees 44 GREG COMBET Well 44 Securitor 44 Jeevan Varsha 44 Scheme EIS 44 Saver Account 44 ANZ Banking 44 Treasurer Bill Shorten 44 Resimac 44 Stamp Duty threshold 44 Identity Cards Bill 44 PTEs 44 Apcims 44 Treasurer Terry Mackenroth 44 professional indemnity PI 44 Centric Wealth 44 iPrimus 44 secured debenture holders 44 Cardif Pinnacle 44 Plunketline 44 EPFO 44 NBNZ 44 sharemarket float 44 tenancy deposit 44 Te Puni KÅkiri 44 EFRP 44 IFSA 44 8c liter 44 investment trusts Reits 44 Enabling Accessibility Fund 44 Kotak MF 44 Franceska Banga 44 superannuation nest egg 44 Flow Through SIFT 44 ARFs 44 PRAs 44 Furnished Holiday Lettings 44 Narrabri Shire Council 44 golden hellos 44 Leader Don Brash 44 Poyntz Wright 44 Isa Saver 44 retail union Usdaw 44 Employers Liability Compulsory 44 Finsec 44 Suncorp 44 Ms Gattung 44 Cautious Managed 44 CHRIS EVANS Well 44 AIFMs 44 mandatory fortification 44 trivial commutation 43 Moneynet.co.uk 43 James Hardie asbestos 43 Minister Rodney Hide 43 ISP filtering 43 Bluedoor 43 Terralink 43 Chapman Tripp 43 Jenny Shipley 43 Gift Aid 43 NZRU 43 LAQC 43 Child Benefit 43 procuration fee 43 Andrew Refshauge 43 VET courses 43 Assirt 43 Groceries Order 43 WAYNE SWAN TREASURER 43 Crown Fibre 43 Newstart 43 RetireInvest 43 scheme ELSS 43 Anthony Byett 43 AIM Trimark 43 Employment Equality 43 Chartered Secretaries Australia 43 Theresa Gattung 43 Maryan Street 43 childcare 43 Xafinity 43 AANZFTA 43 IRESS Market Technology 43 Fairer Medicare 43 Occupational Pensions 43 spousal RRSPs 43 information packs HIPs 43 bursary scheme 43 Lindsay Tanner 43 Aspect Huntley 43 nonqualified retirement 43 expert Ros Altmann 43 sharebroker 43 Competent Adviser 43 Alternatively Secured 43 QIC 43 UUK 43 KIID 43 ACTU 43 Kensington Mortgages 43 CRC Energy Efficiency 43 Accommodation Supplement 43 quango cull 43 Bestinvest 43 Te Wananga o Aotearoa 43 BOSI 43 EWTD 43 traineeships 43 franked dividends 43 Information Packs HIPs 43 Margin Lending 43 Satrix 43 Mr Briault 43 Shadow Cabinet 43 PETER COSTELLO 43 Newcits 43 Craig Norgate 43 TCNZ 43 New Zealand 43 Rattoon