Hundreds of thousands of New Zealanders have every reason to be grateful for Mary Holm's widely acknowledged KiwiSaver expertise. Through her seminars and columns, they know that no one understands the ins and outs of the scheme better. Her two previous books on the scheme have been goldmines of information. This third book on KiwiSaver brings together all Mary's expert, in-depth knowledge, and has up-to-the-minute advice on the impact of recent government policy changes. It also extensively surveys 31 KiwiSaver providers, so readers can find out who offers ultra-safe funds, risky but high-growth finds, 'ethical' funds, flexible contributions and much more. The issues Mary covers include many readers won't find on provider websites. Has the CEO invested in KiwiSaver, for example? It's a good question, and Mary dares to ask it and gets a reply! No other financial writer has done such comprehensive comparative research, and Mary's comparisons make it so easy to decide whether readers should stick with their current providers or switch to get a better deal. Quite simply, it's the book every KiwiSaver and prospective KiwiSaver can't afford to be without.