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.
A Newshub investigation has revealed inconsistencies in who can access money for medical conditions.
The proposal was scrapped after a brutal uproar from opposition parties, Kiwis and industry leaders.
"The biggest concern we have is the erosion of confidence that will now occur for millions of Kiwis."