Photo: RNZ / Rebekah Parsons-King
The Retirement Commissioner is calling for big changes to KiwiSaver to ensure the scheme does not leave anyone behind.
The commission has released its latest three-yearly report into the country's retirement income systems.
It makes 12 recommendations to government, eight of which it says could be introduced quickly and at little cost.
More support for low-income earners
The report recommends targeting government contributions more squarely at lower-income earners.
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They are the group most affected by the government's recent decision to halve its annual contribution to KiwiSaver accounts.
Previously, people received 50c for every $1 they contributed up to $1042 a year, but that has been cut to 25c.
Commissioner Jane Wrightson said it meant that instead of government contributions forming up to 20 percent of a lower-income person's KiwiSaver balance at retirement, they might now only form up to 11 percent.
She said the government contribution could be increased for low-income people to give support where it was most needed.
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