Q: I don't understand how you got your figures for the Q&A last week on why the self-employed should use KiwiSaver.

I understand that the $521 annual government contribution is worth it. But if that's the maximum from the government for self-employed, how could they end up with $150,000 from their $100,000 of contributions?

Wouldn't it take almost 100 years contributing to get that $50,000 from the government at $521 a year? And who's going to work for that long? Or am I missing something here?

A: Yes, you're missing something very important.

But first, I admit that my example last week was a poor one. I said that if a self-employed person, or any other non-employee, contributes about $87


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