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.

Astute KiwiSaver decisions will deliver far more rewards over the longer term than any switch from one electricity retailer to another.

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.

"As your son is the co-owner of the property, unfortunately he will not be eligible to make a KiwiSaver first-home withdrawal."

NZ savers are being told to put a bit more trust in investment advice.

The Ministry of Social Development says income testing, but not asset testing, is applied to the main benefits paid by the Government, including New Zealand Superannuation.

Hard up KiwiSavers are increasingly turning to their savings to help get them out of financial trouble.

KiwiSaver investment returns and withdrawals reached all-time highs in the past year.

More than a million people failed to take advantage of KiwiSaver subsidies in the last financial year, leaving $300 million-plus on the table.

The move this year to drop KiwiSaver schemes from its list of qualifying overseas pension schemes comes with a tax hit for the unwary.

You may already have one savings scheme, but two can be even better.

Twelve members of the Smartshares KiwiSaver scheme have been told they could face a hefty tax bill if they move schemes.

I am in KiwiSaver and have decided to pump funds into it until I buy my first home at about 65.