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.

should I care about KiwiSaver retirement strategies now?" The answer is simple: the earlier you start, the better your chances of enjoying a stress-free retirement. You might have heard about the "4% rule" when planning retirement income. But what does it mean for your KiwiSaver savings?

Crypto gets talked about a lot in New Zealand. One minute it’s the future of money, the next minute it’s crashing again. I regularly hear people say things like,  “I’ve been thinking about getting into crypto because KiwiSaver feels slow,” or  “I missed the boat, but maybe I should put a bit in just in case.” But crypto and KiwiSaver are very different tools, designed for very different purposes.