KiwiSaver members are being asked what they don't like about being part of the savings scheme.
The Commission for Financial Capability is conducting a survey on eight ways of changing Kiwisaver, and one of the leading options is more flexibility.
Two and a half million Kiwis have joined the savings scheme since it was set up in 2007.
Among the options being canvassed is increasing the range at which you can contribute. Currently members can commit 3, 4 or 8 percent of their salaries.
The Commission is also asking whether contributions should increase automatically every year by 0.5 percent, whether the contributions holiday period should be reduced from five years to one, and whether people over 65 should be able to join.
A poll on the sorted.org.nz website also reveals that 70 percent of people think KiwiSaver should be compulsory.
One option not being canvassed is whether employer contributions, currently 3 percent, should be increased.
In Australia, where superannuation is compulsory, employer contributions are currently 9.5 percent of your salary, and rising to 12 percent.