Keep contributing to KiwiSaver — through thick and thin

  • A listener’s email about children’s KiwiSavers, but it applies to everyone
  • Don’t judge performance over short periods
  • Stick with growth fund if not spending the money soon
  • Contributing in downturns is a plus!
  • How to support children and young adults in KiwiSaver
  • Answers to listener Qs on KiwiSaver and market volatility

No paywalls or ads — just generous people like you. All Kiwis deserve accurate, unbiased financial guidance. So let’s keep it free. Can you help? Every bit makes a difference.

Mary Holm, ONZM, is a freelance journalist, a seminar presenter and a bestselling author on personal finance. She is a director of Financial Services Complaints Ltd (FSCL) and a former director of the Financial Markets Authority. Her opinions are personal, and do not reflect the position of any organisation in which she holds office. Mary’s advice is of a general nature, and she is not responsible for any loss that any reader may suffer from following it. Send questions to mary@maryholm.com or click here. Letters should not exceed 200 words. We won’t publish your name. Please provide a (preferably daytime) phone number. Unfortunately, Mary cannot answer all questions, correspond directly with readers, or give financial advice.