KiwiSaver can make a big difference over the long term, but for many households it needs to work alongside the realities of everyday budgets.

Fisher Funds’ Guy Sloan joined TVNZ Breakfast to explain how people can think about contributions, what to do if circumstances change, and why even small, regular amounts can add up over time.

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If the ups and downs in the markets are keeping you up at night, it may be a good time to check in with a financial adviser and make sure your mix of investments are right for you. You can drop us an email, call us on 0508 347 437, or chat with us online.