I was under the impression that you got a tax credit that could offset your income taxes, but my accountant tells me it doesn't work like that. She said "The tax credits from government is added to your Kiwisaver investments and not a credit against your income.". I don't really know what this means. Does it means you'll end up with more money after 10 years than you would if you weren't using KiwiSaver?
So, should I keep going with Kiwisaver, or should I use a regular savings scheme?