A banking expert is picking apart National's 'piecemeal' Kiwisaver election pledge, saying it doesn't go far enough. 

The party's promising to lift default worker and employer KiwiSaver contributions to six percent by 2032 - matching Australia's 12 percent superannuation rate.

Employer contributions would increase by half a percent - but not until 2029.

Massey University banking expert Claire Matthews told Ryan Bridge that there's an issue if people think the rate's too high. 

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