The Herald series Dirty Secrets of KiwiSaver analysed more than 100,000 individual assets held in nearly 500 individual KiwiSaver

Today's revelations millions of Kiwis have unwittingly invested in tobacco and controversial weapons companies through KiwiSaver has seen ANZ announce a review.

Legal experts say the KiwiSaver providers are breaking the law by investing in companies that manufacture cluster bombs.

The average annual fee paid by KiwiSaver members has barely moved in the past two years but there is a stark difference between the

If you don't plan carefully, you might have to go back to work when you least want to.

More than 50 countries face the risk of a pension crisis as the number of people over the age of 65 exceeds the young.

COMMENT: For anyone who finds themselves in pickle, here's a story of sheer determination.

COMMENT: Putting in a loan application is like submitting your CV for a job - you want your best foot forward.

These experts say men should contribute to their partner's KiwiSaver account when women take time out of paid work.

Summerset Group, expects the opening of a new village in the Auckland this year will keep sales humming.

WATCH: See how KiwiSaver has boomed since its birth 9 years ago

New Zealanders have paid more than a billion dollars in fees to KiwiSaver providers since the scheme was launched in 2007.

It's not that Millennials simply don't believe in retirement, it's that they can't afford to.

Less than half of Kiwis are satisfied with their KiwiSaver provider and it is fees and investment returns that bug people the most.

Retirement has become an outdated concept for 140,000 New Zealanders who have reached 65 and are still clocking in to work.

Retirement used to be synonymous with receiving National Superannuation. Not any more.

COMMENT: The unpalatable truth though is that if I wanted to have a retirement of choices and freedom, I should have planned for it 30 years ago.

You might be free of the old 9-to-5 but experts suggest sticking to schedule or finding your natural rhythm.

COMMENT: Cashing up your KiwiSaver - it's what you do with your squillions when you reach 65, isn't it?

Arvida Group reported annual earnings ahead of its prospectus forecast and is confident of further gains in 2017.

Summerset Group plans to build a second retirement village in Nelson after buying an eight-hectare site in Richmond.

Ryman Healthcare posted another record full-year profit, rounding out 14 straight years of earnings growth as NZ's largest retirement village operator.

But having a financial plan can ease the stress and up the sense of freedom and flexibility.

COMMENT: Many foreigners living here agree that you really need $40,000 stashed away somewhere in case of emergencies.

COMMENT: When Bill English delivers his next Budget a month from now, he will no doubt portray the Govt as a model of providence and fiscal responsibility.

Retirement giant Metlifecare has indicated more of an appetite for Auckland than the Wairarapa with its latest move.

COMMENT: Does the CPI fairly represent the speed of price rises for superannuitants?

COMMENT: Underfunding of schemes, low interest rates and longer lives all add to pressure.

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