Simplicity Research Hub

KiwiSaver 2.0: Why increasing contributions is only the first step

24/11/2025

Luxon’s 12.5% proposal marks a turning point for KiwiSaver, but contribution increases alone won’t future-proof our retirement system. Real progress will come from thoughtful reforms that make saving fairer and more sustainable.

KiwiSaver 2.0: Why increasing contributions is only the first step

Published 24/11/2025

This recession is deeper and longer than the GFC

Published 18/09/2025

New Zealand’s recession is deeper and longer than past downturns, driven by high interest rates, falling investment and shrinking household spending power. Shamubeel Eaqub argues urgent policy action is needed to stabilise the economy and prepare for recovery.

The cost of bread and milk

Published 12/09/2025

A quick run to the shop for milk and bread has gotten expensive fast. It feels symptomatic of the everyday costs that are making so many Kiwis feel worse off.

Business is tough - so why are more businesses opening?

Published 01/09/2025

Despite a tough recession with many business closures and shrinking job numbers, New Zealand still saw more businesses start than shut in the past year. What does this unusual growth mean?

The economic benefits of KiwiSaver in 2100

Published 27/08/2025

New Zealand’s ageing population and rising inequality raise big questions about the future of KiwiSaver - can it build resilience, fairness, and financial security for generations to come? This article explores international lessons and shows how starting earlier, contributing more,...