KiwiSaver users are being urged to understand the scheme better, so they can get the best results.
This follows ASB's latest survey showing nearly half of those on the KiwiSaver scheme remain on the default plan of the two percent contribution rate.
ASB's executive general manager of wealth and insurance, Blair Turnball, says the scheme needs to be more user friendly.
"If we can put it online and make it a lot easier for people to understand KiwiSaver, make it very much an everyday product, I think their level of knowledge and comfort will get better."
Blair Turnball says people need to adjust their contributions to make sure they're getting the most from the scheme.
He says there's a 'she'll be right' attitude in New Zealand - and good luck isn't a great savings strategy.