AllNZAUUS

All guides

Start here6
  1. Do funds get safer as you get older?NZ · AU · US
  2. How are NZ Super, the Australian Age Pension and US Social Security different?NZ · AU · US
  3. How do people actually spend in retirement?NZ · AU · US
  4. What changes how long retirement money lasts?NZ · AU · US
  5. What's the difference between KiwiSaver, Australian super and a US 401(k)?NZ · AU · US
  6. Where does retirement income come from?NZ · AU · US
Moving to another country6
  1. What changes when you move from Australia to New Zealand?AU · NZ
  2. What changes when you move from Australia to the United States?AU · US
  3. What changes when you move from New Zealand to Australia?NZ · AU
  4. What changes when you move from New Zealand to the United States?NZ · US
  5. What changes when you move from the United States to Australia?US · AU
  6. What changes when you move from the United States to New Zealand?US · NZ
Can I get a pension?8
  1. Can I get the Australian Age Pension as a New Zealander?NZ · AU
  2. Can I get US Social Security while living in Australia?AU · US
  3. Can I get US Social Security while living in New Zealand?NZ · US
  4. Do my years in Australia count towards NZ Superannuation?NZ · AU
  5. How do I qualify for US Social Security, and how is the amount worked out?US
  6. How does the Social Security Agreement between New Zealand and Australia work?NZ · AU
  7. How long do I need to have lived in Australia to get the Age Pension?AU
  8. How long do I need to have lived in New Zealand to get NZ Super?NZ
Does one affect the other?12
  1. Do I still have to file a US tax return from New Zealand?NZ · US
  2. Does my Australian super affect my NZ Super?NZ · AU
  3. Does my Australian super affect my US Social Security?AU · US
  4. Does my NZ KiwiSaver affect the Australian Age Pension?NZ · AU
  5. Does my NZ Super affect the Australian Age Pension?NZ · AU
  6. Does my NZ Super reduce my US Social Security?NZ · US
  7. Does my US Social Security affect the Australian Age Pension?AU · US
  8. Is my Australian super taxable in the United States?AU · US
  9. Is my Australian super taxed in New Zealand?NZ · AU
  10. Is my KiwiSaver taxable in the United States?NZ · US
  11. Is my US Social Security deducted from my NZ Super?NZ · US
  12. Will my Australian Age Pension be deducted from my NZ Super?NZ · AU
Moving money between countries6
  1. Can I move my 401(k) or IRA into KiwiSaver or Australian super?NZ · AU · US
  2. Can I transfer my Australian super to my NZ KiwiSaver?NZ · AU
  3. Can I transfer my KiwiSaver to an Australian super fund?NZ · AU
  4. Can I use my KiwiSaver for a first home in Australia?NZ · AU
  5. How is my US 401(k) or IRA taxed if I move to New Zealand?NZ · US
  6. When can I access my KiwiSaver if I live in Australia?NZ · AU
Paying in and taking out3
  1. At what age can I get my retirement money in New Zealand, Australia and the US?NZ · AU · US
  2. Can I keep contributing to my US 401(k) or IRA while living in New Zealand?NZ · US
  3. What's the difference between a 401(k), a traditional IRA and a Roth IRA?US
What happens if...?8
  1. Can I keep my Australian Age Pension if I move to New Zealand?AU · NZ
  2. What happens if I need the money before I'm allowed to have it?NZ · AU · US
  3. What happens to my 401(k) or IRA when I die?US
  4. What happens to my Australian super when I die?AU
  5. What happens to my KiwiSaver when I die?NZ
  6. What happens to my pension if I keep working?NZ · AU · US
  7. What happens to my pension when my partner dies?NZ · AU · US
  8. What happens to my retirement savings if we separate?NZ · AU · US

GlossaryMethodologyAboutDisclaimer

AllNZAUUS

All guides

Start here6
  1. Do funds get safer as you get older?NZ · AU · US
  2. How are NZ Super, the Australian Age Pension and US Social Security different?NZ · AU · US
  3. How do people actually spend in retirement?NZ · AU · US
  4. What changes how long retirement money lasts?NZ · AU · US
  5. What's the difference between KiwiSaver, Australian super and a US 401(k)?NZ · AU · US
  6. Where does retirement income come from?NZ · AU · US
Moving to another country6
  1. What changes when you move from Australia to New Zealand?AU · NZ
  2. What changes when you move from Australia to the United States?AU · US
  3. What changes when you move from New Zealand to Australia?NZ · AU
  4. What changes when you move from New Zealand to the United States?NZ · US
  5. What changes when you move from the United States to Australia?US · AU
  6. What changes when you move from the United States to New Zealand?US · NZ
Can I get a pension?8
  1. Can I get the Australian Age Pension as a New Zealander?NZ · AU
  2. Can I get US Social Security while living in Australia?AU · US
  3. Can I get US Social Security while living in New Zealand?NZ · US
  4. Do my years in Australia count towards NZ Superannuation?NZ · AU
  5. How do I qualify for US Social Security, and how is the amount worked out?US
  6. How does the Social Security Agreement between New Zealand and Australia work?NZ · AU
  7. How long do I need to have lived in Australia to get the Age Pension?AU
  8. How long do I need to have lived in New Zealand to get NZ Super?NZ
Does one affect the other?12
  1. Do I still have to file a US tax return from New Zealand?NZ · US
  2. Does my Australian super affect my NZ Super?NZ · AU
  3. Does my Australian super affect my US Social Security?AU · US
  4. Does my NZ KiwiSaver affect the Australian Age Pension?NZ · AU
  5. Does my NZ Super affect the Australian Age Pension?NZ · AU
  6. Does my NZ Super reduce my US Social Security?NZ · US
  7. Does my US Social Security affect the Australian Age Pension?AU · US
  8. Is my Australian super taxable in the United States?AU · US
  9. Is my Australian super taxed in New Zealand?NZ · AU
  10. Is my KiwiSaver taxable in the United States?NZ · US
  11. Is my US Social Security deducted from my NZ Super?NZ · US
  12. Will my Australian Age Pension be deducted from my NZ Super?NZ · AU
Moving money between countries6
  1. Can I move my 401(k) or IRA into KiwiSaver or Australian super?NZ · AU · US
  2. Can I transfer my Australian super to my NZ KiwiSaver?NZ · AU
  3. Can I transfer my KiwiSaver to an Australian super fund?NZ · AU
  4. Can I use my KiwiSaver for a first home in Australia?NZ · AU
  5. How is my US 401(k) or IRA taxed if I move to New Zealand?NZ · US
  6. When can I access my KiwiSaver if I live in Australia?NZ · AU
Paying in and taking out3
  1. At what age can I get my retirement money in New Zealand, Australia and the US?NZ · AU · US
  2. Can I keep contributing to my US 401(k) or IRA while living in New Zealand?NZ · US
  3. What's the difference between a 401(k), a traditional IRA and a Roth IRA?US
What happens if...?8
  1. Can I keep my Australian Age Pension if I move to New Zealand?AU · NZ
  2. What happens if I need the money before I'm allowed to have it?NZ · AU · US
  3. What happens to my 401(k) or IRA when I die?US
  4. What happens to my Australian super when I die?AU
  5. What happens to my KiwiSaver when I die?NZ
  6. What happens to my pension if I keep working?NZ · AU · US
  7. What happens to my pension when my partner dies?NZ · AU · US
  8. What happens to my retirement savings if we separate?NZ · AU · US

GlossaryMethodologyAboutDisclaimer

← Glossary

Glossary · United States

Tax on 401(k) and IRA withdrawals

Money taken out of a 401(k) or traditional IRA counts as income and is taxed.

LifeScope provides factual information and general modelling only. It is not financial advice and does not take your personal circumstances into account. Read the full disclaimer.

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