Kiwisaver changes in this year's budget are expected to have long term benefits, but it might be a tough road for some to get there.

While the Government's halving its contribution,  its also gradually increasing the default rate from 3 to 4 percent.

Analysis from the Retirement Commission says the vast majority of salary and wage earners will eventually have higher retirement savings.

Simplicity Chief Economist Shamubeel Eaqub told Ryan Bridge these long term benefits will come with short term pain.

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