Garry Murphy says he won't be taking his money out of KiwiSaver when he becomes eligible in July because he doesn't need it yet.
"I am leaving it in for a combination of reasons - it's probably as good there as it is anywhere and it's also a little bit of social conscience as I think we need to invest more in our own country."
The 66-year-old working farmer saw the benefits of KiwiSaver from the start and signed up when it was launched in 2007.
"To kick it off was a no-brainer."
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Already a regular share investor, Murphy put his money in a growth portfolio which has been battered a fair bit by the global financial crisis.
"As an investment it's not doing that well but I don't believe in taking it out when the market is down - it will rise again."
Murphy says he may never take the money out of KiwiSaver but it is there in case he needs to.
"I may take it out if I found I needed the money or if I took a fancy to something I wanted to spend it on. I'm in a happy position where I don't have any great wants or needs."