OPINION: Only about 70% of KiwiSaver members are currently contributing regularly.

Making KiwiSaver compulsory and requiring a higher contribution rate should make New Zealanders better off at retirement - but can they afford to do it?

Lower and median earners may not need to save the full 12%.

OPINION: Only about 70% of KiwiSaver members are currently contributing regularly.

Nearly half of all KiwiSaver members made no contribution in the year to June 2025.