In New Zealand the government takes money off you for your retirement and give it to banks of your choice they are ment to spread the risk but to them spreading the risk is different company not different ways to even money like a few weeks ago the stock market just about crushe so every working nz red just about lost all there retyment fund its not good and the government dose nothing but you know the banks are taking half your money you even too its just a way to make the ritch ritcher
