The most important information in the annual statements KiwiSaver members have recently received may not be how you fared in the sharemarket downturn.

For the first time this year, providers have been required to

No guarantees

Inflation allowed for


Spend until 90


No breaks

Pay rises

One-off contributions

Returns while saving

But what if you're different?

While you're at it

What to do if your numbers look too low