Kiwi Saver, Mary Holm financial writer and columnist

  Independent and down to earth financial info you can trust
  from Mary Holm, New Zealand's most widely read investment writer


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Upside, downside – a guide to risk for savers and investors by Mary Holm Upside Downside

The Reserve Bank has published online a 64-page booklet written by Mary called "Upside, downside – a guide to risk for savers and investors". This booklet was updated in April 2017.

You can read or download the booklet from the Reserve Bank’s website by clicking here.

Contents of "Upside, Downside - a guide to risk for savers and investors"


The one high-return, low-risk 'investment'

Risk is not a dirty word


Investing in something you don’t fully understand

Investing in companies that get into trouble

Overdoing borrowing

Investing in too few different types of assets

Failing to diversify within each type of asset

Failing to diversify over time

Putting short-term money in volatile investments

Buying investments that are hard – or expensive – to get out of

Expecting past performance to continue

Listening to old-timers

Forgetting about inflation

Taking foreign exchange risk – or not taking it when you should

Responding to ads or offers made in phone calls, seminars or courses

Being overconfident about your ability to trade investments or time markets

Taking on more volatility than you can cope with

Letting your emotions rule your investment decisions

Taking on more work or worry than expected

Counting on dividend income

Paying too much in fees and other expenses

Being tax-driven


Putting it all together – don't be put off

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