Your age is a major factor, but so is whether or not you plan to use it for a house soon, and also, your money mindset.
So how do you figure it out?
Happily, just a few rules of thumb can change your KiwiSaver and potentially leave you with hundreds of thousands of dollars more in your account.
For the latest podcast I talked to Milford Asset Management KiwiSaver financial adviser Liam Robertson.
For the interview, listen to the podcast here.
• If you have a question about this podcast, or a question you'd like answered in the next one, come and talk to me about it. I'm on Facebook here, Instagram here, and Twitter here.
• Listen to the full interview on the Cooking the Books podcast. You can subscribe on iHeartRadio, Apple Podcasts, or Spotify.