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

Dr Michel Neeff: 'Normal' symptoms that could actually be hearing loss
41:00

Al Gillespie: Vladimir Putin suggests the war is coming to an end
09:22