This new book includes: The best of both earlier books, updated to include the changes made by the National-led government - which have opened up the scheme to thousands more New Zealanders. Details of three interesting new providers, plus new features offered by all the providers. Updates to reflect changes in the financial world. Advice on how to keep track of what's happening in your KiwiSaver account, and on what to do if the records don't look right. Information from the government's first annual report on KiwiSaver. Answers to many questions and concerns expressed by readers of my columns and people attending my seminars. Creative new ideas - from many New Zealanders - on how people in different situations can make KiwiSaver work best for them, whilst keeping risk to a minimum. "I hope you find this new book interesting, useful - and even a bit of fun in places. It could well be your first step on the pathway to buying your first home or having a comfortable, fun-filled retirement."