Smartshares - a good place for a begninner to srart ? pros cons ?

[p2r]

Their kiwisaver is locked in till 65 or buy first house but they have the same funds in non kiwisaver which are not locked in if you want. I contribute the minimum to kiwisaver ie 3% of my wage for a year then went on contribution holiday and put in $1040 a year.
They are PIR so less tax but depending on how much shares, bonds etc some is capital gains and some is taxable income. They work it out, you just have to be on the right PIR.