Recent KiwiSaver changes were meant to strengthen the scheme, but one expert says they risk doing the opposite.

Mary Holm joins Nadine Higgins to break down why cuts to government contributions hit low income earners hardest, and how current settings could deepen inequality over time.

So who is KiwiSaver working for? Why are some workers are missing out on employer support altogether? And what are the unintended incentives baked into the system?

Plus, the changes Holm wants to see, from government contributions for beneficiaries to emergency “sidecar” savings designed to stop people falling into debt when life hits.

Recent KiwiSaver changes were meant to strengthen the scheme, but one expert says they risk doing the opposite.
Mary Holm joins Nadine Higgins to break down why cuts to government contributions hit low income earners hardest, and how current settings could deepen inequality over time.
So who is KiwiSaver working for? Why are some workers are missing out on employer support altogether? And what are the unintended incentives baked into the system?
Plus, the changes Holm wants to see, from government contributions for beneficiaries to emergency &ldquo;sidecar&rdquo; savings designed to stop people falling into debt when life hits.

The Prosperity Project is a weekly personal finance podcast from the NZ Herald. Join host Nadine Higgins every Monday as she talks to experts from New Zealand and around the world about the biggest money issues to help you become more prosperous.  

Follow The Prosperity Project on iHeartRadio or wherever you get your podcasts. To get in touch with the podcast, email nadine.higgins@nzme.co.nz 

The Prosperity Project is a weekly personal finance podcast from the NZ Herald. Join host Nadine Higgins every Monday as she talks to experts from New Zealand and around the world about the biggest money issues to help you become more prosperous.&nbsp;&nbsp;
Follow The Prosperity Project on iHeartRadio or wherever you get your podcasts. To get in touch with the podcast, email <a href="mailto:nadine.higgins@nzme.co.nz">nadine.higgins@nzme.co.nz</a>&nbsp;

The Prosperity Project

Is KiwiSaver working the way it should?

No new taxes. Free GP visits. Cheaper public transport. Solar subsidies. KiwiSaver changes.

The election promises are coming thick and fast — but what will they actually mean for your finances?

On The Prosperity Project, Katie Bradford joins Nadine Higgins to unpack how the major parties’ policies could affect your wallet, from tax and rates to KiwiSaver, student loans, solar panels, small businesses and the cost of funding New Zealand’s infrastructure.

Because however appealing the promises sound, there’s one unavoidable question: who ultimately pays for them?

No new taxes. Free GP visits. Cheaper public transport. Solar subsidies. KiwiSaver changes.
The election promises are coming thick and fast &mdash; but what will they actually mean for your finances?
On The Prosperity Project, Katie Bradford joins Nadine Higgins to unpack how the major parties&rsquo; policies could affect your wallet, from tax and rates to KiwiSaver, student loans, solar panels, small businesses and the cost of funding New Zealand&rsquo;s infrastructure.
Because however appealing the promises sound, there&rsquo;s one unavoidable question: who ultimately pays for them?

Who really pays for election promises?

Buying a home used to mean checking the LIM, getting a builder’s report and sorting the mortgage. But natural hazards, insurance restrictions and increasingly complex property issues mean buyers now have much more to consider.

Solicitor and Landley Law director Sue Foley joins Nadine Higgins to explain the red flags buyers should look for, why insurance needs to be considered early, what sellers are required to disclose and why relying on someone else’s building report could leave you exposed.

Buying a home used to mean checking the LIM, getting a builder&rsquo;s report and sorting the mortgage. But natural hazards, insurance restrictions and increasingly complex property issues mean buyers now have much more to consider.
Solicitor and Landley Law director Sue Foley joins Nadine Higgins to explain the red flags buyers should look for, why insurance needs to be considered early, what sellers are required to disclose and why relying on someone else&rsquo;s building report could leave you exposed.

The home-buying red flags you can’t afford to ignore

How often should you review your KiwiSaver — and what should you actually be looking at?

In this episode of The Prosperity Project, we talk through what matters when reviewing your KiwiSaver, from your retirement goals and contribution levels to fees, fund types and provider performance.

Financial commentator Russell Hutchinson explains why you shouldn’t just chase last year’s top-performing fund, how to think about active versus passive management, and why performance after fees is what really counts.

Plus, is checking your KiwiSaver balance every week helpful — or just a distraction?

How often should you review your KiwiSaver &mdash; and what should you actually be looking at?
In this episode of The Prosperity Project, we talk through what matters when reviewing your KiwiSaver, from your retirement goals and contribution levels to fees, fund types and provider performance.
Financial commentator Russell Hutchinson explains why you shouldn&rsquo;t just chase last year&rsquo;s top-performing fund, how to think about active versus passive management, and why performance after fees is what really counts.
Plus, is checking your KiwiSaver balance every week helpful &mdash; or just a distraction?

Is KiwiSaver working the way it should?

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