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Some final KiwiSaver notes
Will the 3% employer contribution affect your other salary increases?
Probably not, it's just another cost of doing business.
Is there a catch to KiwiSaver?
Your money is locked away until age 65 (unless you join between the ages of 60 and 64 in which case you will need to wait 5 years). To join a KiwiSaver scheme, you need to be a New Zealand resident and under the age of 65.
What if I have high levels of debt or high interest debt?
The same recommendations apply. Join a KiwiSaver scheme and obtain the maximum level of tax credits and employer contributions if applicable. But you could consider the Shape of Money information on Debt Reduction versus Saving.