Risk

Risk

Investing made simple

Investing might seem like it’s only for rich people, but it’s really just a flash word for what to do with your savings to make your money grow.

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You can pick them a mile away

Kiwi Story

Don and Sarah are a couple in their early thirties who have decided they want to get sorted, and want ...

The higher the return, the higher the risk

Kiwi Story

Don was 25 when he decided to make his savings work harder for him. He’d been working since he ...

Investments too good to be true - Alex and Jan

Kiwi Story

Alex and Jan wanted their savings to earn more than the after-tax return they were getting from their ...

Friends aren't always the experts

Kiwi Story

When Sam was 30, he started planning to buy a house. He decided to buy in about four years time when ...

Even with good advice there can still be risks

Kiwi Story

Bill and Hillary had been saving hard for retirement for 15 years. Most of their money was in a New Zealand ...

Your nest egg

Semi-retirement / retirement is a time to think carefully about where your money is invested.

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Returns versus volatility

It's a general rule that you should expect greater returns from your investments if you are prepared to take on greater risk. Risk is often measured by the way investments go up and down in value.

Glossary: risk
An investment is normally considered to be risky if there is a reasonable chance that its value will vary significantly in the future. For example, an investment in shares is more risky than an investment in a bank term deposit. The value of shares may fall below the price paid for them while the value of bank deposits generally do not. High risk investments should only be taken on with long term intentions. You would expect a high long-term return to compensate for high risk.
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Spending your savings

The main reason you have saved for retirement is so you can spend your savings in retirement. You will want to protect the full value of your savings.

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