Cyclists know a bit about making progress when the going gets tough.
They know the extra effort it takes to muscle through a headwind, the zen-like calm it takes to climb a steep hill, and the importance of being on the right bike.
They are all things KiwiSavers could learn from as they face the lowest point in the interest rate cycle ever, and hard going on the sharemarket.
Their years of happy free-wheeling are over, and investment experts say it may be time for many to upgrade to a faster bike, and to start pedalling harder.
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