PremiumFraser WhinerayNZ Herald·12 Jun, 2026 03:00 AM5 mins to readAt 20, KiwiSaver’s second act should be much more ambitious than Kiwis saving more. It should be the beginning of widespread Kiwi ownership, writes Fraser Whineray. Photo / NZMENext year KiwiSaver turns 20. We will also be close to 50 years on from a less happy milestone: the removal of a then-world-leading superannuation scheme. These anniversaries should not pass as ceremonial dates; they are an invitation for leadership.

For half a century we have argued about retirement in