Home-buying tests I've just separated at age 60. I have a job and will end up with only about $30,000. I have work super and will join KiwiSaver.

I have been contributing to KiwiSaver from its beginning in 2007 and have kept 4 per cent contributions going from my salary each week.

My income is partly from employment and partly self-employment. With regard to the former, 4 per cent of my salary is currently paid into a KiwiSaver account. As at the end of this year, I expect to be fully self-employed. Will I need to, at that point, seek a contribution holiday?

My 45-year-old son has a brain injury. I am 70-plus and hold power of attorney over his affairs. He is on a disability benefit, and probably will be for the remainder of his life.

I bought a rental property four years ago through an LAQC. My trust then bought my own residential home 18 months ago. These are the only two properties I have ever had a connection with. I have been contributing to KiwiSaver for nine months.

I'm on a contributions holiday on KiwiSaver. I have a big mortgage so I took a holiday after my first year of investing. After a short period of not contributing, I recommenced 2 per cent contributions and luckily so did my employer.  

I've been in KiwiSaver since the beginning. My fiancee just joined last year after obtaining her residency.   At the moment we don't live together but will do after marriage in December.  

With the changes to ING over the last few months - it is now 100 per cent owned by ANZ which also owns National Bank - it is interesting to read each of their KiwiSaver investment statements one after the other.  

I would like to know, if you wait until year 10 (rather than three or five years) in KiwiSaver in order to use the first-home deposit withdrawal, can you take out all that you've put into KiwiSaver for those 10 years?  

I am in my mid-60s and have been made redundant after decades with the employer. I would like to take the opportunity to enjoy an early retirement, but will obviously need to cut back expenditure at least until I qualify for New Zealand Superannuation at 65.

Aged 90, I've known various financial opportunities, both fortunate and disastrous.

I am about to be made redundant. I had been contributing to a company superannuation scheme during the time I have been employed with the company. I had also recently joined KiwiSaver, so was contributing to both.

With the latest changes to KiwiSaver that were implemented on April 1, 2009, I was advised by my employer that all contributions made to KiwiSaver after that date would effectively be paid for by myself.

KiwiSaver ... what a crock. KiwiSaver makes fortunes for other organisations and virtually nothing comes back to you in the end. Don't get suckered in to it.

I've heard it said "For every month you delay joining KiwiSaver, you could miss out on the equivalent of $700 to spend in retirement."

My husband is a teacher and is in the Government's SSRSS super scheme. He is with ASB Bank. His contribution is 3 per cent, as is his employer's - the Government.

Why would I have to wait three years to see if my KiwiSaver cash investment is any good on a relative basis - as discussed in your column recently? Cash is generally defined as fixed-interest investments of less than 365 days and in practice many use 180 days.

My partner and I joined our 10-year-old daughters to KiwiSaver some 18 months ago. Since then we've left their accounts well alone, which seemed to be your advice, as without the tax credit that adults get it was better to pay off our mortgage sooner.

I joined KiwiSaver from inception date, with my first salary deductions credited to IRD on July 15, 2007. I chose Westpac KiwiSaver, to be loyal to my employer whose banking was with Westpac. I chose the Cash Fund, as I am nearing retirement (born 1952) and my risk appetite is low.

A couple of questions regarding KiwiSaver. I am 64 years old and not employed.

In February I started a new job and was automatically enrolled in KiwiSaver. About $200 has been deducted, but unfortunately I did not enjoy the job and have left.

I have been voluntarily contributing to KiwiSaver at the rate of $20 a week since mid-May 2008, just after I turned 18.

My 20-year-old son has an $80,000 student loan and is currently earning $28,000. He isn't enrolled in KiwiSaver yet and I have great concerns about him being able to afford a home.

I am 57 years old, live alone and am on an invalid's benefit. I am told that it is very unlikely that I will ever be well enough to work again, but that my medical condition is unlikely to shorten my life span, so I do have to consider how I am to manage financially for the next 25 years.

I predict there's going to be some very angry young people in the future, when they find out they've been signed up to KiwiSaver without their consent.

With the new changes to KiwiSaver, "contributions to KiwiSaver will be lowered to 2 per cent of the weekly wage, matched by Government", the Herald said this week.

I am somewhat confused by the National Party's proposed changes to KiwiSaver and how they might impact on me.

I am trying to understand the logic of mortgage diversion. I know the rules have been relaxed, so even if I have a revolving credit component of my mortgage I can now divert up to 50 per cent of my contributions, after 12 months in KiwiSaver. But why would I?

I have recently left New Zealand and put about $2000 into KiwiSaver before I left. I was wondering if it was best to leave it in the KiwiSaver account and contribute the minimum amount or whether it is better to pull it out after a year overseas.