There has been a 10 percent increase in the number of years that New Zealanders are staying in paid work since a mandatory retirement age was eliminated in 2000.
They include a small rise in the minimum wage, benefit increases and interest deductibility for landlords.
A paper by the Retirement Commission suggested income testing would be a fair way to reduce the cost of the system.
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"If we are spending more on super, there's less to spend on other things, so that's a major major problem we have."
"We need to make changes."
It comes as National and Labour are debating about whether to raise New Zealand's super age.
Labour's also confirmed it'll keep contributing to the New Zealand Super Fund and coughing up cash for the Winter Energy Payment.
Labour revealed its first election policy of 2023 on Saturday, promising the retirement age will remain at 65 if re-elected.
Nicola Willis warns Kiwis "can't trust Labour to keep their retirement nest egg safe".
"This policy ensures settings remain stable and consistent."
The legislation, which pushes up the age at which one can draw a pension to 64 from 62, remains deeply unpopular.
The new results show what's changed to a similar report in 2014.
Brad Olsen warns a "really big cost pressure" is going to hit New Zealand in the years to come.
It went down on Newshub Nation.
"Unfortunately… it's not going to be enough to keep up with the prices."
President Emmanuel Macron's Government will gradually increase the age at which French citizens can draw a state pension to 64, from 62.
Raising the age was "the right thing to do" for the country, he said.
The policy would kick in in 2037.
Inflation rising to 7.3 percent could be cause for concern for those planning or nearing retirement.
"It's a real challenge for people… if they are having to use substantial amounts of their NZ Super to cover housing costs."
"So single living with someone you're not married to or you're not in partnership with is more advantageous, which seems a little ridiculous."
The gender pay gap has also played a part, with men having 20 percent more retirement savings than women.
Research found a couple looking to retire comfortably in the city in New Zealand would need to have $809,000 saved,
The woman went to Australia with her partner who needed surgery in July, but their flights home were delayed for months.
It comes after a warning from the OECD.
The report shows the importance of having a retirement plan and working towards it.
"I got a rather brash email back saying, you knew you went over there in COVID times, so it's your fault."
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