My strategy is just to leave it in a growth fund, perhaps take it out for a 1st home subsidy and then basically leave it. It's $20 a week I'd otherwise spend on unecessary stuff anyway.

I don't intend to get rich through kiwisaver. It's just a nice little back up plan if all my other investment goals turn to custard. If that's the case in 43 years when I'm 65 then I've probably screwed up extremely badly anyway.