That is effectively what I did but I also maximised my employer contribution at the time (in its early days). The rules changed after I left the country but had I stayed, no extra would have gone in due to the costs of the KiwiSaver provider. That said, the return has been good for a growth fund and it now just sits ticking away nicely as the bulk of the contributions were in the GFC days. It should be there as a nest egg when I qualify to withdraw (at no loss of contributions).