The sharemarket can seem complex and confusing.
But here is a way to think about it:
If you are invested in KiwiSaver or any other retirement fund you are an owner of a vast range of companies.
Many of those companies are household names.
Your KiwiSaver fund is likely to be invested in New Zealand companies like Fletcher Building, Spark, Auckland Airport, Fisher and Paykel Healthcare, Contact Energy and Z Energy.
Your fund is also likely to be invested in global giants like Apple, Facebook, Amazon, Exxon Mobil and Disney.