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","type":"text"}]},{"type":"paragraph","content":[{"text":"However, there is still likely to be pressure on inflation due to the following: ","type":"text"}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Immigration is up ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"New offshore funds arriving into NZ from Re-insures, to cover claims for recent large weather events ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Recent NZ Government budget spending announced. ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"International visitor numbers are increasing ","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"While the RBNZ have given indications that they aren’t looking to increase the OCR based on the above it could likely stay at current levels for some time. ","type":"text"}]},{"type":"paragraph","content":[{"text":" Therefore, it would be prudent to review and consider structuring debt to minimise interest rate risk as opportunities arise. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Some factors to consider when looking at structuring new debt or restructuring existing debt include: ","type":"text"}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Cashflow – what are the repayments (interest & principal) likely to be and what can you currently afford ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Interest rate certainty – what level of interest rate certainty do you need based on your forward plans ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Planned principal repayments – what do you plan to repay as principal (the amount borrowed or debt level) in the short term. 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","type":"text"}]},{"type":"paragraph","content":[{"text":"The views and opinions expressed in this article are those of the author/s and do not necessarily reflect the thought or position of Findex. ","type":"text","marks":[{"type":"italic"}]}]}]},"_editable":"","component":"rich_text"}],"date":"2023-08-10 02:11","tags":[null,null],"title":"Managing your interest rate risk","author":"b667f6e9-fd5e-45cb-bea7-c7c063415d13","adviser":"4d4d1d91-6bf6-41ff-9590-6630a7dc64e1","settings":[{"seo":{"_uid":"babcbfaf-0554-4a71-94ac-4e2e0924d855","title":"Managing your interest rate risk","plugin":"seo_metatags","og_image":"","og_title":"","description":"Explore strategies for managing interest rate risk and optimising debt structure as the Reserve Bank of NZ's Official Cash Rate increases, with insights on inflation trends and prudent financial planning.","twitter_image":"","twitter_title":"","og_description":"","twitter_description":""},"_uid":"2722d7e0-75c2-4daf-90e6-3458f82047b4","component":"page_settings","seokeywords":"Official Cash Rate increase Reserve Bank of NZ inflation trends, Structuring debt for interest rate risk, Interest rate certainty in debt management, Managing risk profile with your bank","robots_ignore":false,"location_available":"en-nz"}],"component":"article","card_asset":{"id":87375,"alt":null,"name":"","focus":"","title":"","source":"","filename":"https://a-ap.storyblok.com/f/3000455/13269549f2/office-2.jpg","copyright":"","fieldtype":"asset","meta_data":{},"is_private":false,"is_external_url":false},"podcastUrl":"","sub_heading":"","article_type":"Blog Post","insight_type":"Blog Post","seo_keywords":"Official Cash Rate increase Reserve Bank of NZ inflation trends, Structuring debt for interest rate risk, Interest rate certainty in debt management, Managing risk profile with your bank","featured_image":{"id":87375,"alt":null,"name":"","focus":"","title":"","source":"","filename":"https://a-ap.storyblok.com/f/3000455/13269549f2/office-2.jpg","copyright":"","fieldtype":"asset","meta_data":{},"is_private":false,"is_external_url":false},"insight_categories":"889448e1-c472-49e7-b5e7-25875df726f7,560620d0-87a9-44b3-8387-1c1542c0353c"},"slug":"managing-interest-rate-risk","full_slug":"en-nz/insights/article/managing-interest-rate-risk","sort_by_date":null,"position":-9800,"tag_list":[],"is_startpage":false,"parent_id":46379,"meta_data":null,"group_id":"d93cae31-dcc9-4c36-88ec-0b5a025ce8f2","first_published_at":"2023-08-10T02:20:00.000Z","release_id":null,"lang":"en-nz","path":null,"alternates":[],"default_full_slug":null,"translated_slugs":null},{"name":"Budget 2024: New tax rates and investor considerations","created_at":"2024-07-17T07:41:37.791Z","published_at":"2024-09-25T04:09:33.000Z","updated_at":"2024-09-25T03:49:53.000Z","id":47480,"uuid":"72cb6ab3-fc4c-42de-a164-a35aa4a66e8f","content":{"_uid":"2af103f5-3025-44e3-bdcb-c6e941c81075","body":[{"_uid":"3b07a615-f778-49f9-ad07-626c25c00958","content":{"type":"doc","content":[{"type":"heading","attrs":{"level":2},"content":[{"text":"The New Zealand Budget announced that from 1 August 2024, the income tax brackets that dictate what tax rate applies to income earned by individuals will change. ","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"This, combined with the increase in the tax rate applicable to Trustees to 39% which came in on 1 April, will lead to some decisions for investors, particularly around resident withholding tax rates and Portfolio Investment Entities (PIEs). ","type":"text"}]},{"type":"heading","attrs":{"level":4},"content":[{"text":"Individuals will be asked to reassess their resident withholding tax rate. ","type":"text"}]},{"type":"paragraph","content":[{"text":"For some, where the same tax rate applies, there is nothing to do. For others, they may want to change to a new tax rate that better reflects the tax bracket they will shift into. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Combined with this, investors are also likely to be offered investments in a PIE. PIEs typically offer a lower tax rate for investors than their marginal tax rate. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Those who invest in PIEs through companies and those who are not New Zealand tax residents get little benefit as their rates are fixed at 0% and 28% respectively, regardless of their income level. ","type":"text"}]},{"type":"paragraph","content":[{"text":"For most trustee investors, two rates may be chosen: 17.5% or 28%. If no rate is selected, a 0% rate is applied. ","type":"text"}]},{"type":"paragraph","content":[{"text":"The 17.5% Prescribed Investor Rate (PIR) may be beneficial in a limited number of instances. This will be most beneficial where the PIE income will be distributed to beneficiaries and the beneficiaries’ tax rates are all 10.5% or 17.5% - i.e., they earn under $53,500 with the new tax bracket applied. ","type":"text"}]},{"type":"paragraph","content":[{"text":"However, for others, there is no tax rate benefit to investing through a PIE with a PIR of 17.5% as the income will be taxed at either the trustee’s tax rate of 39% or the recipient beneficiaries’ marginal tax rate, while losses will generally be subject to the lower 17.5% rate. Instead, these trustee investors should be looking to apply a 28% PIR which becomes a final tax for them and any beneficiaries the PIE income is distributed to. ","type":"text"}]},{"type":"paragraph","content":[{"text":"For individuals, there are new bands for PIRs as well, which will apply from 1 April 2025: ","type":"text"}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Income up to $15,000 and, when combined with PIE income, up to $53,500, the PIR is 10.5% ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Income up to $53,500 and, when combined with PIE income, up to $78,100 and not in the above bracket, $17.5% ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Those not in the above bands, 28% ","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"These bands are applied to the previous two years’ income and it is the lower tax rate from the prior two years that are applied. ","type":"text"}]},{"type":"paragraph","content":[{"text":"For those individuals, particularly at the margins of the bands, investing in PIEs may no longer be that beneficial. However, for some of these individuals, PIE income cannot be avoided – KiwiSaver schemes are all PIEs. For other individuals, the substantial difference between a 39% tax rate and a 28% tax rate remains great value, particularly if there is no difference to the return being obtained. ","type":"text"}]},{"type":"paragraph","content":[{"text":"If you are uncertain about these changes and what rate would be best for you, we urge you to talk to your ","type":"text"},{"text":"tax advisor.","type":"text","marks":[{"type":"link","attrs":{"href":"https://www.findex.co.nz/services/tax-advisory?utm_source=findex+web&utm_medium=website&utm_campaign=nz+budget&utm_content=budget+2024+article+investment+impacts&utm_term=7018t0000009NeY","uuid":null,"anchor":null,"target":"_self","linktype":"url"}}]},{"text":" ","type":"text"}]},{"type":"paragraph","content":[{"text":"The views and opinions expressed in this article are those of the author/s and do not necessarily reflect the thought or position of Findex. ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"This document contains general information and is not intended to constitute legal or taxation advice. If you need legal or taxation advice, we recommend you speak to a qualified adviser. ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"The title 'Partner' conveys that the person is a senior member within their respective division and is among the group of persons who hold an equity interest (shareholder) in its parent entity, Findex Group Limited. The only professional service offering which is conducted by a partnership is external audit, conducted via the Crowe Australasia external audit division and Unison SMSF Audit. All other professional services offered by Findex Group Limited are conducted by a privately-owned organisation and/or its subsidiaries. ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"June 2024 ","type":"text","marks":[{"type":"italic"}]}]}]},"_editable":"","component":"rich_text"}],"date":"2024-06-06 23:12","tags":["Accounting and Tax"],"title":"Budget 2024: New tax rates and investor considerations","author":"7ded4725-d798-42bb-a6d1-bffb1ed5e654","adviser":"0ae9d48a-d319-406c-a5fa-47bf169cb422","settings":[{"seo":{"_uid":"7ee55f0a-526e-42b9-ab5b-9760dfd06205","title":"Budget 2024: New tax rates and investor considerations","plugin":"seo_metatags","og_image":"","og_title":"","description":"Discover how the changes to income tax brackets and trustee tax rates in New Zealand from August 2024 will affect your investments and resident withholding tax rates. ","twitter_image":"","twitter_title":"","og_description":"","twitter_description":""},"_uid":"8deab448-49ea-4845-9804-f168641c5e64","component":"page_settings","seokeywords":"Budget 2024, New Zealand tax rates, income tax bracket changes, portfolio investment entities, trustee tax rate changes ","robots_ignore":false,"location_available":"en-nz"}],"component":"article","card_asset":{"id":87349,"alt":null,"name":"","focus":"","title":"","source":"","filename":"https://a-ap.storyblok.com/f/3000455/aa945af443/meeting-10.jpg","copyright":"","fieldtype":"asset","meta_data":{},"is_private":false,"is_external_url":false},"podcastUrl":"","sub_heading":"","article_type":"Blog Post","insight_type":"Blog Post","seo_keywords":"Budget 2024, New Zealand tax rates, income tax bracket changes, portfolio investment entities, trustee tax rate changes ","featured_image":{"id":87349,"alt":null,"name":"","focus":"","title":"","source":"","filename":"https://a-ap.storyblok.com/f/3000455/aa945af443/meeting-10.jpg","copyright":"","fieldtype":"asset","meta_data":{},"is_private":false,"is_external_url":false},"insight_categories":"08de980a-0356-48b6-a9a8-82e2f2ed7677"},"slug":"budget-2024-new-tax-rates-and-investor-considerations","full_slug":"en-nz/insights/article/budget-2024-new-tax-rates-and-investor-considerations","sort_by_date":null,"position":-10960,"tag_list":[],"is_startpage":false,"parent_id":46379,"meta_data":null,"group_id":"5bdae542-633c-4d42-93d2-1401281e656b","first_published_at":"2024-06-06T23:15:00.000Z","release_id":null,"lang":"en-nz","path":null,"alternates":[],"default_full_slug":null,"translated_slugs":null},{"name":"More Bright-line rule changes pending for residential property sales","created_at":"2024-07-17T07:40:50.926Z","published_at":"2024-09-25T04:09:33.000Z","updated_at":"2024-09-25T03:50:38.200Z","id":47440,"uuid":"81705df4-9fcd-499d-81eb-70c002f1c225","content":{"_uid":"73858f74-798e-4c33-af7a-a92db7dc6bb3","body":[{"_uid":"36e21f3d-ce1e-4a00-b8a9-fd81473524df","content":{"type":"doc","content":[{"type":"paragraph","content":[{"text":"Owners of residential property would have been heartened with the announcement that the Government was changing the bright-line rule for residential property sales, back to a two-year test. This is a meaningful change given the ","type":"text"},{"text":"current bright-line period is 10 years","type":"text","marks":[{"type":"link","attrs":{"href":"/insights/article/another-change-to-the-bright-line-tax-rules","uuid":"40dfee50-9fde-4bea-bd8f-c86379c942b3","anchor":null,"target":"_self","linktype":"story"}}]},{"text":", unless considered a new build, which has a five-year time. ","type":"text"}]},{"type":"paragraph","content":[{"text":"However, until legislation is passed the current rules still apply, leaving residential property sellers and buyers in a limbo.","type":"text"}]},{"type":"paragraph","content":[{"text":"Residential property owners and buyers also need to keep in mind that the final legislative details regarding the bright-line rule changes will be critical as to how these rules will apply. ","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"The current bright line rule status ","type":"text"}]},{"type":"paragraph","content":[{"text":"We know that the 2-year bright-line period was agreed in the coalition deals made last year. Further to this, in the December mini-Budget it was confirmed the change to the bright-line rule is coming. These changes would be included in the current taxation Bill that should be approved before the end of March. ","type":"text"}]},{"type":"paragraph","content":[{"text":"However, the current rules are not that simple, especially with all the continued changes to these rules over the years. There are some nuances in how the mechanics of the change will occur, plus some additional decisions that need to be made. Such as: ","type":"text"}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"When the rules will apply from and to whom – i.e. will they have retrospective application or just be prospective (which is how previous changes were broadly made)? ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Will the main home exception be the same as the current iteration or will there be a change back to the original version? (there are pros and cons with both approaches) ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Will the recently introduced roll-over rules remain? These were a welcome addition as they allowed changes in certain associated ownership without re-setting the bright-line period. ","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"These questions leave the market with some uncertainty as to what to do in the interim. ","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Residential property owners – what happens if you sell now? ","type":"text"}]},{"type":"paragraph","content":[{"text":"The key question right now for property owners is whether they should sell their property now, or should they hold off for final legislation before deciding? ","type":"text"}]},{"type":"paragraph","content":[{"text":"It is expected that sales from 1 July 2024 should be subject to a two year bright-line period, not the existing 10-year or 5-year period. This is coupled with a statement that sales from property purchased before 1 July 2022 should also not be subject to tax as more than two years would have expired (assuming a sale from 1 July 2024). ","type":"text"}]},{"type":"paragraph","content":[{"text":"This suggests that this bright-line test will have an element of retrospective application. So, provided a sale occurs on or after 1 July 2024, a 2-year bright-line period should apply irrespective of whether that property was purchased during the five or 10-year bright-line periods. ","type":"text"}]},{"type":"paragraph","content":[{"text":"However, this also suggests that if a property is sold before 1 July 2024, it would remain subject to the current rules. This will be a key consideration when legislation is released. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Therefore, the recommendation for residential property owners that could be caught by either the 5 or 10-year bright-line rules is to wait for final legislation before proceeding with a sale. But this of course is just one consideration when deciding to sell. ","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Residential property buyers – what happens if you buy now? ","type":"text"}]},{"type":"paragraph","content":[{"text":"If you were to purchase residential land today, that purchase would be subject to the 10-year bright-line period (unless a new build) under current legislation. While changes are expected, there is still a risk that final legislation will not apply retrospectively (which is how previous changes of this nature have been applied). ","type":"text"}]},{"type":"paragraph","content":[{"text":"However, as noted above, the language used by the Government suggests that even if a property were acquired today, the property could be subject to a two-year period in the future. So, it is possible that a purchase today may still benefit from a future 2-year bright-line period. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Therefore, one factor that residential buyers will need to weigh up is the risk that they could still be subject to current rules, with a chance they may still benefit from the pending changes. So, it is recommended to move with caution until final details emerge. Although again, such a decision is not limited just to what bright-line rule might apply and the broader factors of buying property should be considered. ","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Buying or selling, what can you do now? ","type":"text"}]},{"type":"paragraph","content":[{"text":"In all cases, we recommend that you consult with your advisor, keeping in mind that the bright-line rule is not the only tax rule that can apply to the sale of land. Further, there are nuances that sometimes mean the outcome is not always as expected, especially with the main home exemption. Therefore, you should always be aware of your obligations in advance. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Working with a ","type":"text"},{"text":"tax specialist","type":"text","marks":[{"type":"link","attrs":{"href":"https://www.findex.co.nz/services/tax-advisory?utm_source=findex+web&utm_medium=website&utm_campaign=insights&utm_content=article+bright+line+rule+changes+2024&utm_term=7018t0000009NeJ","uuid":null,"anchor":null,"target":"_self","linktype":"url"}}]},{"text":" means you can be confident that the decision you make, whether to buy/sell now or wait, is the right one for you. ","type":"text"},{"text":"Contact our team of Tax Advisors","type":"text","marks":[{"type":"link","attrs":{"href":"https://www.findex.co.nz/services/tax-advisory?utm_source=findex+web&utm_medium=website&utm_campaign=insights&utm_content=article+bright+line+rule+changes+2024&utm_term=7018t0000009NeJ","uuid":null,"anchor":null,"target":"_self","linktype":"url"}}]},{"text":" to start the conversation. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Findex, trading as Findex Group Limited ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"This article contains general information and is also not intended to constitute legal or taxation advice. If you need legal or taxation advice, we recommend you speak to a qualified adviser. ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"While all reasonable care is taken in the preparation of the material in this article, to the extent allowed by legislation Findex accept no liability whatsoever for reliance on it. All opinions, conclusions, forecasts or recommendations are reasonably held at the time of compilation but are subject to change without notice. Findex assumes no obligation to update this material after it has been issued. You should seek professional advice before acting on any material ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"The title 'Partner' conveys that the person is a senior member within their respective division and is among the group of persons who hold an equity interest (shareholder) in its parent entity, Findex Group Limited. The only professional service offering which is conducted by a partnership is external audit, conducted via the Crowe Australasia external audit division and Unison SMSF Audit. All other professional services offered by Findex Group Limited are conducted by a privately-owned organisation and/or its subsidiaries. ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"© Findex Group Limited 2024. All rights reserved ","type":"text","marks":[{"type":"italic"}]}]}]},"_editable":"","component":"rich_text"}],"date":"2024-02-29 23:57","tags":["Accounting and Tax"],"title":"More Bright-line rule changes pending for residential property sales","author":"1e7993b8-9d18-4b5c-8a0f-967582f8d7a5","adviser":"4513534d-1040-47a7-86ba-f938e099baf2","settings":[{"seo":{"_uid":"fe2c6e56-bb0b-4404-8e61-44c992f2239d","title":"More Bright-line rule changes pending for residential property sales ","plugin":"seo_metatags","og_image":"","og_title":"","description":"Stay informed about pending changes to the bright-line rule affecting residential property sales, as uncertainty looms and decisions regarding buying or selling property require careful consideration. ","twitter_image":"","twitter_title":"","og_description":"","twitter_description":""},"_uid":"46766431-54c1-4684-b0c0-61885903009c","component":"page_settings","seokeywords":"bright line rule, bright line test, residential property ","robots_ignore":false,"location_available":"en-nz"}],"component":"article","card_asset":{"id":87360,"alt":null,"name":"","focus":"","title":"","source":"","filename":"https://a-ap.storyblok.com/f/3000455/206ba74fb4/family-in-the-backyard.jpg","copyright":"","fieldtype":"asset","meta_data":{},"is_private":false,"is_external_url":false},"podcastUrl":"","sub_heading":"","article_type":"Blog Post","insight_type":"Blog Post","seo_keywords":"bright line rule, bright line test, residential property ","featured_image":{"id":87360,"alt":null,"name":"","focus":"","title":"","source":"","filename":"https://a-ap.storyblok.com/f/3000455/206ba74fb4/family-in-the-backyard.jpg","copyright":"","fieldtype":"asset","meta_data":{},"is_private":false,"is_external_url":false},"insight_categories":"08de980a-0356-48b6-a9a8-82e2f2ed7677"},"slug":"more-bright-line-rule-changes-pending-for-residential-property","full_slug":"en-nz/insights/article/more-bright-line-rule-changes-pending-for-residential-property","sort_by_date":null,"position":-10560,"tag_list":[],"is_startpage":false,"parent_id":46379,"meta_data":null,"group_id":"4d8f6b44-273c-456d-b421-9debedcd2c94","first_published_at":"2024-02-29T23:57:00.000Z","release_id":null,"lang":"en-nz","path":null,"alternates":[],"default_full_slug":null,"translated_slugs":null},{"name":"Budget 2024 Provides Tax Relief to New Zealanders","created_at":"2024-07-17T07:41:34.414Z","published_at":"2024-09-25T04:09:33.000Z","updated_at":"2024-09-25T03:49:56.003Z","id":47477,"uuid":"ef7b0c4d-d187-4c6f-bd2a-3e60fce3bea3","content":{"_uid":"46252b7f-e1c2-4e5e-b7d4-80c83813c055","body":[{"_uid":"dc82a7db-4967-4528-a623-931451ac4586","content":{"type":"doc","content":[{"type":"heading","attrs":{"level":2},"content":[{"text":"The Government’s Budget 2024 includes several tax measures to provide tax relief to New Zealanders and assist households with young children with their childcare costs. ","type":"text"}]},{"type":"heading","attrs":{"level":3},"content":[{"text":"However, there is a bit of unwelcome news for student loan borrowers already offshore or planning to head offshore. ","type":"text"}]},{"type":"heading","attrs":{"level":4},"content":[{"text":"The key tax changes are: ","type":"text"}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Increasing the personal income tax thresholds for the bottom three income tax rates ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Extending the Independent Earner Tax Credit (IETC) ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Increasing the In-Work Tax Credit (IWTC) and the Minimum Family Tax Credit (MFTC); and ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"Introducing FamilyBoost to support households with the cost of early childhood education. ","type":"text"}]}]}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Increased personal income tax thresholds ","type":"text"}]},{"type":"paragraph","content":[{"text":"From 31 July 2024: ","type":"text"}]},{"type":"bullet_list","content":[{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"The upper tax threshold for the 10.5% tax rate increases from $14,000 to $15,600 ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"The upper tax threshold for the 17.5% tax rate increases from $48,000 to $53,500, and ","type":"text"}]}]},{"type":"list_item","content":[{"type":"paragraph","content":[{"text":"The upper tax threshold for the 30% tax rate increases from $70,000 to $78,100. ","type":"text"}]}]}]},{"type":"paragraph","content":[{"text":"These thresholds were originally set in 2010 and over that time wage inflation has caused wages to increase by 63%. Against this, adjustments to thresholds of around 11.5% seem modest, but the Government needs to be mindful of the significant fiscal cost of adjusting these thresholds. ","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Independent Earner Tax Credit (IETC) extended ","type":"text"}]},{"type":"paragraph","content":[{"text":"From 31 July 2024, the IETC will be available to eligible individuals earning between $24,000 and $70,000 per annum, up from the previous upper tax threshold of $48,000. ","type":"text"}]},{"type":"paragraph","content":[{"text":"The IETC will now provide a $20 per fortnight tax credit for those earning between $24,000 and $66,000 and will abate for those earning over $66,000 down to zero at an income of $70,000 per annum. Wage inflation has meant that few taxpayers have qualified for this tax credit since its introduction, which has led to speculation the Government would drop it altogether. ","type":"text"}]},{"type":"paragraph","content":[{"text":"For example, under the previous thresholds an individual working a 40-hour week on the minimum wage would earn more than the $48,000 threshold to receive the IETC. Increasing the threshold to $70,000 with abatement starting at $66,000 will make this credit available to more taxpayers. ","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"In-Work Tax Credit (IWTC) and Minimum Family Tax Credit (MFTC) increase ","type":"text"}]},{"type":"paragraph","content":[{"text":"The IWTC, available to families with dependent children, will increase by up to $50 per fortnight for eligible families, dependent on household income from 31 July 2024. The MFTC, which provides low-income working families with a guaranteed minimum amount, will also increase from 31 July 2024. The MFTC threshold will increase from $35,204 per year (after tax) to $35,316 per year (after tax). This represents a modest $4.30 increase in fortnightly income but is in addition to the $50 per fortnight increase in IWTC.","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Introducing FamilyBoost ","type":"text"}]},{"type":"paragraph","content":[{"text":"As announced pre-budget, the Government is introducing a new childcare payment, known as FamilyBoost, available to low-to-middle-income families with children aged five and under who incur early childhood education (ECE) costs. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Under the scheme parents and caregivers can receive up to 25% of their ECE fees, up to a maximum of $150 per fortnight, as a tax credit. The maximum payment will be available for families with income up to $140,000 with the payment abating to zero for household incomes over $180,000 per annum. This scheme commences on 1 July 2024 with eligible taxpayers required to submit their ECE receipts through MyIR to claim the payment. Eligible households can make claims quarterly, six-monthly, or annually and will be able to make their first claim for a FamilyBoost payment from October 2024 for the period 1 July to 20 September 2024. ","type":"text"}]},{"type":"heading","attrs":{"level":2},"content":[{"text":"Offshore student loan rate increase ","type":"text"}]},{"type":"paragraph","content":[{"text":"For those with student loans living overseas or about to head overseas, there is a 1% increase in the interest rate applying to their student loan balance for five years starting 1 April 2025. This is to compensate the Government for the loss in the real value of outstanding loan balances due to high inflation over the last three years. ","type":"text"}]},{"type":"paragraph","content":[{"text":"These changes introduce the last of the tax policy commitments that the National Party and its coalition partners campaigned on during last year’s elections. The Coalition Government enacted the other significant tax policies they campaigned on during the election before the Budget which include restoring interest deductibility on residential investment properties, returning the bright-line test to two years, removing depreciation from commercial properties, and taxing overseas online gambling operators. ","type":"text"}]},{"type":"paragraph","content":[{"text":"The extent of the Coalition Government’s personal income tax cuts and whether they are affordable has been the subject to speculation and debate since the Government’s election. With Budget 2024 we now know what the tax cuts look like. The Government claims savings in government expenditure and new revenue initiatives, such as the online gambling tax, mean they are fully funded and affordable. The Opposition continues to claim they are not. Who is right will be revealed over the coming months. ","type":"text"}]},{"type":"paragraph","content":[{"text":"Should you have any questions regarding the Budget announcements and how they may impact you, please contact the ","type":"text"},{"text":"Tax Advisory team","type":"text","marks":[{"type":"link","attrs":{"href":"https://www.findex.co.nz/services/tax-advisory?utm_source=findex+web&utm_medium=website&utm_campaign=nz+budget&utm_content=budget+2024+summary&utm_term=7018t0000009NeY","uuid":null,"anchor":null,"target":"_self","linktype":"url"}}]},{"text":" or reach out to your local Findex advisor. ","type":"text"}]},{"type":"paragraph","content":[{"text":"The views and opinions expressed in this article are those of the author/s and do not necessarily reflect the thought or position of Findex. ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"This document contains general information and is also not intended to constitute legal or taxation advice. If you need legal or taxation advice, we recommend you speak to a qualified adviser. ","type":"text","marks":[{"type":"italic"}]}]},{"type":"paragraph","content":[{"text":"© Findex Group Limited 2024. 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