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Managing market volatility
One of the main differences between investing in a term deposit and investing in a managed fund like KiwiSaver or investment funds is volatility – in other words, fluctuations in the value of your investment. With term deposits, you earn a fixed interest rate over a fixed time period which doesn’t change. KiwiSaver and investment funds, on the other hand, are exposed to market volatility, which means your investment can go up and down in line with changes in financial markets.