Michael Chamberlain and Michael Littlewood have updated their 2017 report The Missing 2016 Review. It is now re-cast as a submission for the 2019 Review and is called Informing the 2019 Review – 133 questions that New Zealand needs answered.

The new report lays out what the authors suggest should emerge from the Retirement Commissioner’s 2019 Review of retirement income policies.

Anyone who wants to talk about any aspect of financial preparation for retirement should read the appropriate section of Informing the 2019 Review first.

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Report by section

Click to view the report by each section


Download - 2019 Report

Download - 2017 Report


Michael Chamberlain

Michael is an actuary and is the principal of MCA NZ Limited. MCA is an actuarial and strategic investment consulting firm. Before forming MCA in 1998, Michael was the senior consultant at what was Watson Wyatt when it was in New Zealand and is now Willis Towers Watson globally. Michael has over 35 years’ superannuation and investment consulting experience and currently advises a range of charities, community trusts and institutions on strategic investment policy matters to help them achieve their goals. Michael was a founder of the SuperLife superannuation and KiwiSaver schemes. SuperLife is now part of the NZX Group and was sold by Michael and his business partner to NZX in 2015.


Michael Littlewood

Michael was a pension consultant for 25 years in London and Auckland for what is now Willis Towers Watson.  He was then Employee Benefits Director at Fletcher Challenge Limited, founder-director of what is now SuperLife and, in 2006, helped start the Retirement Policy and Research Centre.  He was a member of the government’s 1991-92 Task Force on Private Provision for Retirement, is the author of How to create a competitive market in pensions – the international lessons (IEA, 1998) and is the principal editor of www.PensionReforms.com.  Michael retired as co-director of the RPRC in June 2015.


This report is entirely the work of the authors in their personal capacities and has nothing to do with their present or former employers.  Although this report draws on work done by the Retirement Policy and Research Centre at the University of Auckland, the RPRC has made no direct contribution to the report.

The authors have given their time pro bono publico.  No-one has asked them to produce the report and no-one has paid them for their time.