Changes to KiwiSaver could be on the way, but one provider says more needs to be done. 

Retirement Commissioner Jane Wrightson says New Zealanders' balances are too low. 

She wants the minimum contrition to rise by one percent, alongside employers' contributions. 

But Simplicity Founder Sam Stubbs told Mike Hosking that the Government should be doing more to encourage retirement savings. 

He says as long as it's not compulsory, those who need it the most won't use it.  

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