Quote Originally Posted by mshierlaw View Post
I have read a lot of this on kiwi saver providers websites. So how much of an opportunity do you loose if your not IN during the downturn?

My kiwi saver started in early 2008, 100% growth so it's a reasonable ballance. Looking at the new $$$$$ going in for 1 year it's 5% of the current account ballance (excluding fees & tax). That 5% additional buying opportunity does not excite me compared to the potential reduction in my account ballance.

A switch to conservative looks appealing if you can time the switch, thats the hard bit.
Actually the switch back is probably harder to time.