Matt McPherson

And then, yeah, I mean, let's just keep talking about it.

Put pressure on politicians and things to come up with, you know, great policies around KiwiSaver that also protect the integrity of KiwiSaver as well.

So,

We all want changes and we're all saying changes, but then as soon as any changes are made, we're often saying, hey, look, let's not tinker with it.

So the other thing that would be fantastic is like a broader chord on where retirement savings, retirement income policy is going that doesn't become a political football is a bit more, I think, of like an agreed kind of destination.

I think that would be really helpful because...

Every time settings get changed, I'm sure there are some people for whom they say, I suspect that they are going to change things in the future that may impact me and so I'm not going to take part.

I'll just come back to what I said earlier.

I think

using something like KiwiSaver at the earliest age possible, I think that gives you the most sort of chance.

I'm sure there are other tools outside of the area that I work in, but for me, the earlier you start, the more chance you have of trying to address that inequality.

Yeah, well, the first thing is open a kid's investing account on Sharesies if you don't already have one.

So that's getting you signed up.

That should be pretty simple.

We may have to do some paperwork to ensure that we're linking parents to kids correctly.

Unlike a normal Sharesies account,

investing account for kids, it has to be a parent who opens a KiwiSaver account, not just a well-meaning adult, which is something that is possible for a kid's investing account on Sharesies.

But once we have that link in place, then to become eligible, the contribution year runs from 1st of July to the 31st