What If New Zealand Super Runs Out
Using KiwiSaver to buy your first home feels like a win, until the balance hits zero and you’re staring down a mortgage, rates, insurance, and the cost of living. That’s when a lot of first-home buyers in New Zealand make a quiet decision that can echo for decades: they stop contributing to KiwiSaver because “what’s the point until 65?” We unpack why that reaction is so common, and why it can be such an expensive mistake once you factor in employer contributions, government contributions, and the long runway of compound returns.
We come at the problem from both angles: the emotional reality…
The skinny
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