Nearly half of all New Zealanders are now paying into KiwiSaver but many people are still wondering what it's all about and what is actually happening to the money they are putting in.

Today, we're releasing the fourth and final video in our series about KiwiSaver, with experts Mary Holm and Chris Douglas tackling the questions below.

Part Four: KiwiSaver Beginner's Guide

* Why was KiwiSaver created?


* Is KiwiSaver backed by the Government?

* Why do some people opt out or not join KiwiSaver?

* What about children and KiwiSaver?