Sep 7, 2026 · 27 min · 12 segments
Is New Zealand saving enough for retirement — or are we overestimating the problem? In this episode of the NBR Podcast, Simon Shepherd explores the future of KiwiSaver, NZ Super, retirement savings…
Simon ShepherdHost
David BoyleGuest
Michael LittlewoodGuest
Kirk HopeGuest
So we've got the gig economy, we've got gig workers, we've got contractors, we've got sole traders.
previous Retirement Commission policy, and I keep referring back to that because that's the latest I can talk to.
Previous Retirement Commission policy said don't make it compulsory because people who earn less probably are going to be worse off.
Everyone thinks just increasing contribution rates is going to help everyone kind of be in a better position.
And through research just recently released by the New Zealand Society of Actuaries stated that, you know, for lower income earners, increasing their contribution rate could be quite detrimental for their present well-being rather than their future.
And so, you know, in our previous review, you know, we said employer contributions should be compulsory.
And that that was and that maybe helps helps get that balance right, particularly for those that are kind of missing out on that pay rise if they're not contributing or the way they're being employed is not being captured.
So we've got the gig economy, we've got gig workers, we've got contractors, we've got sole traders.
previous Retirement Commission policy, and I keep referring back to that because that's the latest I can talk to.
Previous Retirement Commission policy said don't make it compulsory because people who earn less probably are going to be worse off.
Everyone thinks just increasing contribution rates is going to help everyone kind of be in a better position.
And through research just recently released by the New Zealand Society of Actuaries stated that, you know, for lower income earners, increasing their contribution rate could be quite detrimental for their present well-being rather than their future.
And so, you know, in our previous review, you know, we said employer contributions should be compulsory.
And that that was and that maybe helps helps get that balance right, particularly for those that are kind of missing out on that pay rise if they're not contributing or the way they're being employed is not being captured.
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