We are helping those under 18 get a start with their longer-term savings. We’re introducing a change from 1 January 2019 where Christian KiwiSaver Scheme members under age 18 will not have fees deducted from the quarterly investment earnings allocated to their account if they are under age 18 on the first day of that quarter (i.e. on 1 April, 1 July, 1 October or 1 January, as applicable).