Is there any point in KiwiSaver if I'm on a total remuneration package?

If your employer doesn't contribute extra to your KiwiSaver, is there any point being in the scheme? It's a question that gets to the heart of what KiwiSaver is for, and whether some New Zealanders might be better off investing elsewhere. In this episode, Susan answers questions about: Whether KiwiSaver is worth it if you're on a total remuneration package The pros and cons of investing outside KiwiSaver Whether a 46-year-old is too old to switch to an aggressive KiwiSaver fund What to consider when deciding whether to keep life insurance after 65 Whether a motel can charge a 3 percent surcharge on debit and credit card payments Alternatives to using credit cards overseas, including Wise cards If you have a money question you'd like Susan to answer, put it in an email or voice memo, then send it to [email protected] Go to this episode on rnz.co.nz for more details