Self-employed people are opting out of KiwiSaver, putting their retirements at risk. 

A new report from the Retirement Commission and accounting firm Hnry's reveals only 44% of self-employed people actively contribute compared to 78% of employees.  

It shows 41% of self-employed workers don't get any government contribution.  

Hnry CEO James Fuller told Ryan Bridge when the Government halved KiwiSaver contributions in this year's Budget, many decided to put their money elsewhere. 

He says self-employed people have started putting their money into high-risk, short-term investments, meaning they won't have enough retirement savings. 

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