All investment accounts are a bit touch and go at the moment.
If you're checking your KiwiSaver more than a few times a year, the amount of movement could really start to get to your head.
But for those close to or at retirement age, or about to withdraw for whatever reason - a volatile market can make all the difference.
LISTEN ABOVE

Amanda Morrall: Don't pounce on every good deal you see
41:39

Nathan Stanners: The pros and cons of National's compulsory Kiwisaver policy
40:57

Janet Xuccoa: Your list of trustees has to be tight and reputable
41:25