From there use an online calculator to work out the lump sum you'll need to save to deliver that income - www.sorted.org.nz will get you started.
It might be the time to build a plan with some professional advice. It's an empowering moment when you take control of your financial independence.
Joe Bishop, Gareth Morgan Investments head of retail and wealth marketing.
Check your investment direction, the investment fund or blend of funds that your money is invested in and make sure it is right for your investment timeframe and attitude to risk.
Most providers will have a tool on their website for you to do this or you can use the tools on the sorted website.
A good resolution might be to just take the time to double-check what fund you're in, even what provider you're with.
Michael Chamberlain, SuperLife principal.
They should resolve, 'I will check out the new fund finder calculator on the Sorted website (http://fundfinder.sorted.org.nz/), to make sure I am in a good scheme and that I understand the fund I am in'.
Once they have sorted themselves out they should then encourage family and friends to also look at joining KiwiSaver and being in the right fund.
The government payments make KiwiSaver a base savings plan that for most is better than they can do elsewhere.
Chris Douglas, Morningstar Australasia co-head of fund research.
Not a member? Sign up.
If it's appropriate for you to do so, that is, and check whether your family members are signed up, too.
Already a member? Take an interest in your savings.
Open the account statement or read the regular email updates from your KiwiSaver provider. Read the annual statement. Remember that it's your money - and your future retirement income - that's at stake.
Seek advice. Check to make sure you're in the most appropriate KiwiSaver scheme given your age, risk profile and time horizon.
Don't get tempted by past-performance envy, and remember that the performance of KiwiSaver schemes will ebb and flow.
Have a good read of the investment objective.
Does this match up with what you're seeking?
Make KiwiSaver a regular conversation around the dinner table.
Check out Morningstar's KiwiSaver Survey each quarter to help gain a better understanding of your fund's performance and other key characteristics.
If you're disappointed, email or call your provider and ask them to explain.
Vedran Babic, Fisher Funds operations manager.
Take ownership of your KiwiSaver account.
Too many people don't know who their KiwiSaver provider is or how their money is being invested.
It's your hard-earned savings, you should know what is happening with your KiwiSaver money.
Start by finding out what type of fund you are invested in.
Complete an investor profile questionnaire to determine if this is the most suitable fund for you given your investing timeframe and your risk appetite. If your provider doesn't have a questionnaire available, www.sorted.org.nz has one on their website.
Make sure you are receiving information from your provider regularly - sign up to newsletters if not already.
Do some research on the key people who manage your KiwiSaver money. What is the level of their skills and experience?
Don't settle for complicated jargon. Make sure your provider explains things in a way you can understand.
Compare KiwiSaver providers - does another provider deliver a better all-round service than you currently receive?
Disclaimer: Information provided is stated accurately to the best of the respondent's knowledge at the time of publication. It is general in nature and should not be construed, or relied on, as a recommendation to invest in a particular financial product or class of financial product. Readers should seek independent financial advice specific to their situation before making an investment decision.
To have your KiwiSaver questions answered by the NZ Herald's panel of industry players email Helen Twose, helentwose@gmail.com.
