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

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

Nick Crawford: Households will have to anticipate higher cost-of-living pressures
41:29

Amanda Morrall: What does it really take to retire in 2026?
40:25