Nearly half of all New Zealanders are now paying into KiwiSaver but many people are still wondering what is actually happening to the money they put in. Join us for Part Three in our beginner's guide to KiwiSaver. Five years since it kicked off, KiwiSaver is still a mystery to many New Zealanders and we decided to provide a simple guide which covers the nuts and bolts. Experts Mary Holm and Chris Douglas tackle all the basic questions in a way which is easy to understand and jargon-free.