There are five ages of KiwiSaver.
Each of them calls for different strategies to get the best from New Zealand's $50 billion savings scheme offers.
"People jumped into KiwiSaver, many when the $1000 kickstarter was still available for their kids, and what happened was they became disengaged."
And so their KiwiSaver, and those of their children, was left to prosper, or track sideways, ignored, and unloved, according to Wilson.
But if people think more about KiwiSaver as a savings scheme with different opportunities for each of their five ages of their economic lives, they might find it easier to use it to their maximum benefit, Wilson says.
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