Can you please clarify the rules around "regular" contributions toward KiwiSaver and the impact this has on the deposit subsidy.

KiwiSaver investment income is effectively quarantined from other gains or losses and the tax paid is final.

First Labour, now National have unveiled plans to mess up KiwiSaver. It was always too much to hope that $20 billion-plus KiwiSaver system wouldn't be used for electioneering.

I joined KiwiSaver the day it started. I am in the Kiwi Wealth balanced fund. I am a 67-year-old retired widow with no other income apart from NZ Superannuation.

I find it remarkable that Labour's proposed capital gains tax has generated so little debate.

A few final words in regards to the discussion about purchasing a new vs used car. Your previous contributors have all made some valid points in regards to both options.

According to Morningstar the tax environment for New Zealand managed funds - including KiwiSaver - is relatively benign.

What happens after you're eligible to dip into your KiwiSaver account?

Q: I was listening to the radio and I heard a Labour MP say that under Labour not only would KiwiSaver be compulsory but a capital gains tax would apply to it.

The Financial Services Council is looking to drum up popular support for a campaign to address what it says is the overtaxation of savings.

Sheather estimates what terminal sum will accrue to a KiwiSaver saving $100 pw and getting the $1K kick start and the annual $521 contribution from the Govt investing in a growth portfolio.

Q: I saw the CEO of the Financial Services Council on TV talking about an insurance option to protect the loss of KiwiSaver amounts due to a recession. Does this cover have any merit?

I am not in Kiwisaver as I can't afford to lose the minimum 3 per cent from my wages.

Q: I have been following the new car discussion with interest. I would like to suggest the following thoughts to purchasers of a new car.

As well as the rebranding, ANZ has adjusted the OnePath default KiwiSaver scheme’s investment management style while jacking up fees.

They say a new car loses 20 per cent of its value the second you drive it off the showroom floor, writes Mary Holm. Still, buying a car isn't always rational.

Leader says superannuation plan needs to be extended to those who are 'missing out'.

So Labour wants everyone but the lowest earners to put aside 9 per cent of their income for retirement savings?

Mary Holm takes on some KiwiSaver myths.

Budget advisers who deal with real people's spending say using a credit card results in us spending about 30pc more than we would if it was cash, writes Tamsyn Parker.

Q: I'm in the process of withdrawing my KiwiSaver funds under the financial hardship criteria. Hopefully, this will be successful.

We got one of those calls the other night - the one where a foreign-sounding man asks if your computer is running and says it needs to be checked for a virus.