Your investment and current market conditions

Recently, financial markets have taken a dip which is due to new US tariff announcements on global trade. You may have noticed that your BNZ KiwiSaver Scheme or YouWealth account balance has dropped, leaving you wondering what to do. In times like these, it’s a good idea to step back and look at the bigger picture.

Investing is a long-term game

Periods of volatility are unsettling for investors, but they are part of the journey. In most cases, these kinds of movements shouldn’t influence the decisions you make about investments. Instead of focusing on the turbulence, take a few minutes to check you’re in the right investment fund for you. In many cases, staying the course with your investment could be the best approach.

Here are three things to keep in mind:

1.  Markets tend to recover over time: During uncertain times, it’s easy to focus on short-term volatility rather than long-term investment performance. If you zoom out the lens, you’ll see that markets have shown a tendency to recover over time. Keep in mind that ups and downs are all part of investing.
2. Your investments are diversified: Most BNZ KiwiSaver Scheme and YouWealth funds are designed with diversification in mind. This helps reduce risk and smooth out the ups and downs over time.
3. Potential gains from market recovery: Most members contribute regularly to their investments, including regular KiwiSaver contributions. Market fluctuations can present opportunities for fund managers to acquire assets at lower prices, potentially setting you up for future gains.

Helping to keep you safe

When markets are volatile, scammers will be working hard to play off your emotions. It’s important to stay vigilant. See our website for more information about investment scams.

We also have lots of helpful articles about investing on our ‘Investing for the future’ hub.

You can get more BNZ KiwiSaver Scheme help and support on our website.

This article is solely for information purposes. It’s not financial or other professional advice. For help, please contact BNZ or your professional adviser.

No party, including BNZ, is liable for direct or indirect loss or damage resulting from the content of this article. Any opinions in this article are not necessarily shared by BNZ or anyone else.

BNZ Investment Services Limited, a wholly owned subsidiary of Harbour Asset Management Limited, is the Issuer and Manager of the BNZ KiwiSaver Scheme and YouWealth. Download a copy of the Product Disclosure Statements:

• BNZ KiwiSaver Scheme Product Disclosure Statement (PDF 1.1MB)
• YouWealth Product Disclosure Statement (PDF 1.4MB)

Investments in the BNZ KiwiSaver Scheme and YouWealth are not bank deposits or other liabilities of Bank of New Zealand (BNZ) or any other member of the National Australia Bank Limited group. They are subject to investment risk, including possible delays in repayment. You could get back less than the total contributed. No person (including the New Zealand Government) guarantees (either fully or in part) the performance or returns of the BNZ KiwiSaver Scheme or YouWealth, or the repayment of amounts contributed. National Australia Bank Limited, the ultimate owner of BNZ, is not a registered bank in New Zealand but a licensed bank in Australia and is not authorised to offer the products and services mentioned on this webpage to customers in New Zealand.

BNZ Investment Services Limited (BNZISL) uses the BNZ brand under licence from Bank of New Zealand, whose ultimate parent company is National Australia Bank Limited. No member of the FirstCape group (including BNZISL) is a member of the NAB group of companies (NAB Group). No member of the NAB Group (including Bank of New Zealand) guarantees, or supports, the performance of any member of FirstCape group’s obligations to any party.