The $521 contribution is now worth 26 percent less than when it was initially set.
Since November last year, the number of hardship withdrawals has exceeded first-home withdrawals.
One provider was singled out as having wildly varying ethics ratings depending on the fund.
"Who knows what's going to happen next?"
The cost-of-living crisis saw a decrease in KiwiSaver contributions last year.
Analysis by the charity showed investment in harmful products fell by about $800 million in the six months ended September 2023, to $7.9 billion.
The amount of money withdrawn due to financial hardship has doubled compared to last year.
New data has revealed the top and worst performing KiwiSaver funds.
There is a simple fix.
