Every time I check the balance of my retirement savings and kiwi-saver, they are heading south.

I am over retirement age but still working, so find the current situation very distressing.

Don't own a home and honestly wonder if I will ever be able to afford to retire. Considering closing my kiwi-saver and other retirement schemes and putting the money into a bank deposit account where it at least eRn something

What are other people's thoughts?