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Aaron Gilbert

Aaron Gilbert

The Conversation

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KiwiSaver payments have to rise – but earners shouldn’t be penalised if they can’t afford it

KiwiSaver payments have to rise – but earners shouldn’t be penalised if they can’t afford it

Minimum KiwiSaver contributions rise from today for employees and employers. That’s necessary, but the scheme’s design is working against many savers.

01.04.2026 10

The Conversation

Aaron Gilbert

The Iran crisis is hitting KiwiSaver balances – but market volatility can work for you too

The cumulative return on a typical KiwiSaver growth fund since 2007 is around 240%. That’s despite a global financial crisis, COVID, trade wars and...

16.03.2026 9

The Conversation

Aaron Gilbert

Lifting Kiwisaver contributions to 12% makes sense – when the whole scheme is fixed

Asking people to find extra money to lock away in KiwiSaver during a cost-of-living crunch risks pushing them in the opposite direction.

24.11.2025 10

The Conversation

Aaron Gilbert

KiwiSaver at a crossroads: budget another missed opportunity to fix NZ’s underperforming retirement scheme

KiwiSaver balances remain shockingly low, and constant changes risk undermining faith in a system that is already failing future retirees.

23.05.2025 10

The Conversation

Aaron Gilbert

KiwiSaver shakeup: private asset investment has risks that could outweigh the rewards

Since its creation, the KiwiSaver scheme has faced multiple tweaks. But the government’s latest proposed changes risk the system’s transparency...

02.02.2025 10

The Conversation

Aaron Gilbert