The minimum you and your employer can contribute is 3 per cent, but both are allowed to contribute more.

Stand-alone and employer-sponsored superannuation schemes are shutting up shop.

You can dip into your KiwiSaver once you are eligible for New Zealand superannuation as long as you have been in the scheme for at least five years.

INTERVIEW: Tamsyn Parker talks to two women who between them look after more than $11b of KiwiSavers' money.

Generally anyone over 18 who has been in KiwiSaver for three or more years and is buying a first home can apply to their KiwiSaver provider to withdraw everything.

COMMENT: Yes, you're right that it's really important to consider not raw interest rates but how they compare with inflation.

Previous homeowners are able to get back into the housing market using KiwiSaver if they're in the same financial position as a first-home buyer.

A tax consultant is urging people in KiwiSaver to make sure their contribution and their employer's have made it to their KiwiSaver account.

AMP's Therese Singleton said anyone using KiwiSaver funds for a first home must not have owned property, personally or "jointly with others".

Having a manageable student loan is the first step to future happiness, writes Diana Clement.

KiwiSaver can be dipped into if you are suffering from serious illness or financial hardship, but the bar is, understandably, set fairly high.

Every year some find they can't get the 'universal' retirement pension, writes Diana Clement.

Younger KiwiSavers can join a scheme at any time, but will need parents' permission.

Q: If new staff members do not wish to join KiwiSaver, do I simply pay their PAYE on the IRD form or must I fill in forms advising they don't want to join?

Default investments and focus on low fees are reducing returns, writes Brian Gaynor.

One overseas bank predicts another global financial crisis is on the cards, but local economists say it's not all bad news for Kiwis.

More than 2.5 million Kiwis are signed up to KiwiSaver but many people aren't making the most of it, according to Ana-Marie Lockyer.

Foreign ownership of the New Zealand sharemarket continued to fall this year, with total overseas holdings slipping to 32.6 per cent.

Let's be clear: joining KiwiSaver is entirely your decision - not your employer's.

To have your KiwiSaver questions answered by the NZ Herald's panel of industry players, email Helen Twose.

KiwiSaver rules only allow you to be with one provider at a time. If you are not happy with your provider, you can switch at any time.

KiwiSaver can get confusing where first-home buyers are concerned, and you're certainly not alone in getting in a muddle.

KiwiSavers who follow some simple rules can achieve this target.

Helen Twose answer a question about Kiwisaver and if you can combine your Australian Super from Australia to New Zealand.

KiwiSaver funds have taken a downwards slide in the last quarter - the first time in four years there's been a widespread hit to most people's savings.