Rather than focusing on the flaws of individuals, governments might do better to explore their own behavioural biases towards retirement savings

Posted by Carl Pheasant in Kiwisaver, Retirement on

There is no shortage of opinion pieces or expert commentary making the case that Kiwis are financially illiterate. Apparently we’re not good with savings, we don’t plan for the future, and we do not take even simple actions (like switching out of our default KiwiSaver funds) to optimise our future financial security.

But are individuals wholly to blame?

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