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

Martin Hawes: Should the govt fund your retirement?
41:27

Sharon Chandra: You can't DIY a divorce
41:11

Janet Xuccoa: Most people should really have a trust
40:16