Diana Clement: Avoiding a dumb move - how to get the best from your investments 24 Apr, 2021 05:00 PM 4 minutes to read The sharemarket will have ups and downs but you must ride them out. Photo / 123RF Your Money and careers writer for the NZ Heralddiana@wordfusion.com Lock up your investments and leave them. If you're saving for the long term, sometimes choosing investments well, then virtually forgetting about them for a time is the best thing to do. That's really what KiwiSaver investments are about. If you don't have a really good reason to cash up, such as buying your first home, and you're in an investment that will grow at the best rate for someone with your risk tolerance, then the set and forget approach will repay you handsomely when you finally retire.