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There’s plenty of help to be had for young people unsure of how to pick a KiwiSaver fund. Everyone has a moment when they wake up to a level of financial awareness. Sometimes it’s when they marry/form a long-term relationship. Sometimes it’s when they decide they want to be homeowners. These days financial awakenings can’t come too soon. Things are harder for young people than they used to be, with student loans, high house prices, and wall-to-wall marketing of unattainable lifestyles. When it comes to KiwiSaver, there are four main distinct uses in an ordinary life: childhood (possibly set up by well-meaning parents), saving for a first home (hopefully), saving for retirement (the original idea of KiwiSaver), and managing money in retirement (staying invested and withdrawing it as needed).