JAK, some KiwiSaver providers have cash funds or defensive so apart from inflation if you were worried about the market tanking you could do this to ensure the numbers work.
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Arguing over semantics.
Valuenz knows what's going on, read their explanations.
Maybe another way to think about it is ask how you could get a better return on your $1000 than doing what Baa_Baa suggests.
What I find incredible is that "as many as 1,862,000 didn’t contribute at all in the year to 31 March 2022 (compared to 1,483,000 the year before);" That's a lot of free money left on the table!
5 expert KiwiSaver savings tips for 2023
3. Make sure you don’t miss out on the extra $500 from the government!
Every year KiwiSaver account owners between 18 and 65 years can get an extra $521.43 from the government. To be eligible, you need to make sure you contribute at least $1,042.86 to your KiwiSaver account between July 1 and June 30 every year.
I would hope that the Sharsies Kiwisavers at least get their annual free money.
Then don't put your money in KS. Invest separately until you are eligible.
Edit: the only real incentive to invest in KS is because you get the employer and govt contributions. Otherwise why have your money locked until 65.
Without these incentives you can invest outside KS and do as you wish with your money.