This article was published on 10 February 2022. Some information may be out of date.

Why EVERYONE should be in KiwiSaver, and how to do KiwiSaver best

  • Why it’s very hard to beat
  • Not contributing?
  • Works well for over 65s
  • Check “Getting a KS WOF” here. Get it right and then you can leave it alone for years.
  • Default funds now very attractive
  • KiwiSaver for children

No paywalls or ads — just generous people like you. All Kiwis deserve accurate, unbiased financial guidance. So let’s keep it free. Can you help? Every bit makes a difference.

Mary Holm, ONZM, is a freelance journalist, a seminar presenter and a bestselling author on personal finance. She is a director of Financial Services Complaints Ltd (FSCL) and a former director of the Financial Markets Authority. Her opinions are personal, and do not reflect the position of any organisation in which she holds office. Mary’s advice is of a general nature, and she is not responsible for any loss that any reader may suffer from following it. Send questions to [email protected] or click here. Letters should not exceed 200 words. We won’t publish your name. Please provide a (preferably daytime) phone number. Unfortunately, Mary cannot answer all questions, correspond directly with readers, or give financial advice.