Could the KiwiSaver changes really mean an extra $100,000 at retirement - and is locking that money away actually the smartest move?

In this episode, Jess and Makayla break down the increase from 3% to 3.5% and then 4%, explain how that seemingly small shift could materially grow your retirement balance, and debate whether contributing more to KiwiSaver stacks up against paying down your mortgage, investing outside the scheme, or using it for your first home - plus what you should review before the changes take effect.

Next steps: Book a KiwiSaver check-up with our team to make sure your fund, contributions, and wider strategy are aligned before these changes take effect.

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The content in this podcast is the opinion of the hosts. It should not be treated as financial advice. It is important to take into consideration your own personal situation and goals before making any financial decisions.