The best thing to do when your balance suddenly drops is usually to keep calm, and carry on. In other words, the market is likely to recover in time and your hard earned dollars should eventually bounce back to their former glory.

If you just can't wait to get your hand on your KiwiSaver funds, you may have to absorb the loss, which is why it's a good idea to make sure you're in a more conservative fund well in advance to avoid falling short.

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