Photo: Unsplash/ Li Rezaei

KiwiSaver providers are expecting to see some members opt to keep their contribution level static, even as the default rate rises.

It was announced last year that the base contribution rate for KiwiSaver would lift from 3 percent to 4 percent by 2028.

The first stage of the increase, to 3.5 percent, takes effect from April 1.

But from 1 February, members can apply for a

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