Hi I’m an expat kiwi living in Oz. I was one of the very few people to vote for compulsory super contributions during the referrendum a few years back in NZ. Most NZers have no super plan at all, I was lucky enough to have an employee super plan when I was in NZ that i made contributions to. Here in australia the 9% that our employers contribute is no where near enough for our retirements (hence my interest in PI) but it puts us in a much better position than people working in NZ.