I am doing some investigation into NZ Superannuation. I was just wondering what the NZ attitude is towards this. Besides the state superannuation, do people often take out additional personal superannuation or do companies provide it? I know a lot of people invest in properties for their later years. But is that on top of personal superannuation or besides?

I'm still young (31) so you'd say why worry about that now, but I just like to have all the pro's and con's clear before actually making that move to NZ.

And I can hardly fathom the pension regulations here in the Netherlands, let alone try to get a grip on NZ regulations. So any input is greatly appreciated.