Risk is a word that can make anyone nervous, but it’s a natural part of investing. The key is to understand how much risk you’re comfortable with and how it aligns with your goals. Personally, I prefer the word volatility instead of risk. Some investments will go up and down more than others, but history shows us that by spreading your volatile assets widely you decrease the risk considerably. All KiwiSaver funds are highly diversified; your eggs aren't all in one basket.