KiwiSaver 是怎样通过复利的形式增长的?

04/05/2026 04/05/2026

Patrick Wang

	Friday, 24 April 2026

KiwiSaver 是怎样通过复利的形式增长的?

KiwiSaver的增长主要依赖于增长型资产。对增长型资产(Growth assets) 来说，最重要的因素是时间。投资时间越长，获得的资本收益就越可靠。这意味着，只要你有正确的时间框架，你就应该更有信心地选择增长型资产。相反，你投资的收益型资产（income assets) 越多，你在退休时的账面余额就越少。

大多数新西兰人低估了他们对KiwiSaver投资的时间。如果你30多岁，买了第一套房子，你可能会有50多年的投资时间。这是因为在你退休后正常提款之余，你的KiwiSaver投资在整个退休期间仍可以保持增长。

KiwiSaver的设计投资时间是以10年计，而不是短短几年的时间。平均而言，年回报率为7-10%的增长型资产将会在每7年到10年翻一番。这并不意味着30年后你的钱增加了两倍。相反，在第一个10年里，你的钱翻了一番，例如从1倍增加到2倍。在接下来的10年里，你的钱再次翻倍，从2倍增加到4倍。在第三个十年里，从4倍增加到8倍（是原来投资资本的8倍）。

基金经理把这种增长形式称之为复利。与之相比，收益型资产可能需要23年才能翻一番。

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