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Aaron Gilbert

Aaron Gilbert

The Conversation

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‘Buy now, pay later’ doesn’t feel like debt. For young people, that can be a big problem

‘Buy now, pay later’ doesn’t feel like debt. For young people, that can be a big problem

A survey of young New Zealanders finds four in ten didn’t view buy now, pay later as debt. That perception can influence how they use it.

latest 10

The Conversation

Aaron Gilbert

NZ’s retirement debate: Will tinkering today spell more trouble tomorrow?

Retirement depends on NZ Super, KiwiSaver and housing. Treating each in isolation risks shifting problems rather than solving them.

14.07.2026 20

The Conversation

Aaron Gilbert

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 60

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 30

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 30

The Conversation

Aaron Gilbert