Retirement is the time most people dream of, the days where you no longer need to work or study, and you can enjoy a slow and simple life. But what does it actually take to retire?

And, when Super is under threat, and the only stable thing about the global economic climate is its instability, can we rely on the pension being there when we're ready to retire?

Author of Money Matters Amanda Morrall chats to Tim Beveridge about how much money you really need to retire.

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The age of retirement is back in the forefront of news this week after a report from the OECD recommended means testing the age of eligibility for NZ Super or risk an unsustainable rise in public debt.

The agency says New Zealand's ageing population will continue to become a prevalent issue as the government tries to pull the economy out of the red.

But some finance experts say we shouldn't be relying on the government to fund our retirements, and super should be treated as a bonus rather than a survivable income.

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All investment accounts are a bit touch and go at the moment.

If you're checking your KiwiSaver more than a few times a year, the amount of movement could really start to get to your head.

But for those close to or at retirement age, or about to withdraw for whatever reason - a volatile market can make all the difference.

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