Twelve years after its launch, KiwiSaver has close to three million members and more than $50 billion invested. Surely, a great success in addressing New Zealand's poor savings rates and preparing our ageing population for the future?

But, to take a step back, how many readers know off the top of their head not just who their provider is but how their funds are allocated? Is your money in a conservative, balanced or growth fund — or a combination of the three?

And on top of that, how is your provider performing in relation to others in the market?