Despite high take-up - around 2.61 million people are in KiwiSaver - about 40pc do not contribute to it on a regular basis.

Interest rates are low at the bank - so more Kiwis plan to leave their money in KiwiSaver when they turn 65.

New Zealand women prefer their saving accounts, while men hit the credit card harder.

A young couple who were told they would qualify for an $8000 govt grant to help buy first home are in shock after finding out they can only get half that.

New Zealand KiwiSaver providers will happily take funds transferred from Australian super accounts but it's a different story with Australian providers.

What are some smart ways to put a looming tax refund to work?

COMMENT: What to do about the problem of uninsured Kiwis? Many are woefully exposed when it comes to their life and health cover.

New research show vastly different money habits and attitudes between home owners and those who don't own property.

Stand-alone and employer-sponsored superannuation schemes are shutting up shop.

You can dip into your KiwiSaver once you are eligible for New Zealand superannuation as long as you have been in the scheme for at least five years.

INTERVIEW: Tamsyn Parker talks to two women who between them look after more than $11b of KiwiSavers' money.

Generally anyone over 18 who has been in KiwiSaver for three or more years and is buying a first home can apply to their KiwiSaver provider to withdraw everything.

COMMENT: Yes, you're right that it's really important to consider not raw interest rates but how they compare with inflation.

Previous homeowners are able to get back into the housing market using KiwiSaver if they're in the same financial position as a first-home buyer.

When it comes to cracking down on people not paying what they should, beneficiaries are much easier to go after, writes Paul Little.

AMP's Therese Singleton said anyone using KiwiSaver funds for a first home must not have owned property, personally or "jointly with others".

Having a manageable student loan is the first step to future happiness, writes Diana Clement.

KiwiSaver can be dipped into if you are suffering from serious illness or financial hardship, but the bar is, understandably, set fairly high.

Every year some find they can't get the 'universal' retirement pension, writes Diana Clement.

Younger KiwiSavers can join a scheme at any time, but will need parents' permission.

Q: If new staff members do not wish to join KiwiSaver, do I simply pay their PAYE on the IRD form or must I fill in forms advising they don't want to join?

Default investments and focus on low fees are reducing returns, writes Brian Gaynor.

Astute KiwiSaver decisions will deliver far more rewards over the longer term than any switch from one electricity retailer to another.

One overseas bank predicts another global financial crisis is on the cards, but local economists say it's not all bad news for Kiwis.

More than 2.5 million Kiwis are signed up to KiwiSaver but many people aren't making the most of it, according to Ana-Marie Lockyer.