Bevan Graham: NZ Needs a retirement income strategy, not three separate debates

PremiumOpinionOpinion byBevan Graham NZ Herald·4 Jul, 2026 02:00 AM7 mins to readBevan Graham is an economist at Salt Funds Management.How should we rethink New Zealand’s retirement system for the next 50 years? Photo / 123rfIt is encouraging to see retirement income policy back on NZ’s political agenda. With an ageing population, rising fiscal pressures and a growing role for KiwiSaver, now is the time to ask a simple question: what should NZ’s retirement income system look like over the next 50 years?

NZ’s retirement