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5 tips to help you cope when your KiwiSaver balance heads down

Page last updated: 16 Mar 2020

  1. The best preparation for a stormy period is to make sure you’re already in the right fund for your needs and your long-term plans.
  2. You can’t predict when world sharemarkets might rise or fall. Making hasty moves risks crystallising losses.
  3.  If your KiwiSaver balance falls, don't panic! It is supposed to move up and down, over the long term it should keep rising as you keep contributing and prices recover.
  4. Think about your longer term investment plan and when you’re going to need the money – then stick to it!
  5. It's time in the market that counts, not trying to time the markets.

And a bonus tip, think about getting some help! There are plenty of do-it-yourself guides on our website and the Sorted website or talk to your KiwiSaver provider.