In this episode of Money Made Simple, Jennie and Liv dive into a topic that can make even seasoned investors nervous - market volatility. What causes the sudden ups and downs in your KiwiSaver or Investment Fund balance? And what should you do when markets are unsettled?

From global news and investor emotion to algorithms and exchange rates, this episode explains what’s really behind those squiggly lines in your fund performance graph - and why they’re not always a bad thing.

This episode covers:

• What volatility really means, and why it’s a normal part of investing
• The big drivers of market swings - uncertainty, emotion, and new information
• How events like wars, elections, and interest rate changes ripple into KiwiSaver returns
• Why international markets and currency movements matter more than you might think
• Real-world case studies: the Global Financial Crisis and COVID-19 crash
• Why staying calm and staying invested is the smartest long-term strategy
• Tools to help you match your fund to your time horizon and risk tolerance
• How volatility, while uncomfortable, can actually help long-term investors grow their wealth

Resources mentioned in this episode:
Sorted's KiwiSaver fund finder - sorted.org.nz/tools/kiwisaver-fund-finder/ and for other managed fund investments smartinvestor.sorted.org.nz/
Simplicity Fund Sector - simplicity.kiwi/calculators/kiwisaver/fund-selector

Jennie and Liv explain in plain English why markets rise and fall, and why keeping calm, staying invested, and focusing on the long game is the best approach - especially when things feel uncertain. Volatility is the price we pay for growth, and for those with time on their side, it’s worth it.

---
Please help us share the good word (and make Kiwis richer and smarter with money) - the more we grow, the more good we can do %) Don't forget to follow, subscribe and rate the podcast if you found it useful!

Find us:
Instagram
Facebook
LinkedIn

Disclaimer: This podcast contains personal opinions and is intended to provide educational information only. It doesn't relate to your particular financial situation or goals and is not financial advice or recommendations. Simplicity New Zealand Limited is the issuer of the Simplicity KiwiSaver scheme and investment funds. For product disclosure statements please visit Simplicity's website simplicity. kiwi.