This article was published on 8 September 2022. Some information may be out of date.

Start — or increase — your saving NOW

  • Starting to save early in life makes a huge difference
  • The cost of delaying for just two years
  • How much more you can save in a higher-risk KiwiSaver fund
  • The power of changing KiwiSaver contributions from 3% to 6%
  • Use KiwiSaver calculator on sorted.org.nz

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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.