The cost-of-living crisis saw a decrease in KiwiSaver contributions last year.
Analysis by the charity showed investment in harmful products fell by about $800 million in the six months ended September 2023, to $7.9 billion.
The amount of money withdrawn due to financial hardship has doubled compared to last year.
New data has revealed the top and worst performing KiwiSaver funds.
There is a simple fix.
Total assets in KiwiSaver funds nationwide have topped $98 billion.
"Unfortunately, if we don't save now, our future selves will find it even more difficult."
The Financial Services Complaints received three recent complaints from people who tried to access their KiwiSaver on the grounds of serious illness.
Under the proposal, couples could agree to split a mutually agreed amount of either partner's KiwiSaver contribution on a yearly basis for a specific period.