Soaring oil prices, an ongoing global pandemic, war in Ukraine, high inflation and rising interest rates, it's a combination that has investors spooked and financial commentators raising the spectres of economic crash or recession. For many of us here in New Zealand, the biggest concern created by all this volatility is what it will mean for our hard-earned Kiwisaver balance. Who better to talk us through what's happening -- and how we can secure our savings -- than Sam Stubbs from not-for-profit Kiwisaver provider Simplicity.