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  2. Deciding how to invest

Deciding how to invest

Page last updated: 20 Feb 2019

The 3 most important things to think about when deciding what to invest in are risk, return and cost.

Here are the steps to get you started

  1. Find out how much risk you’re taking by investing. Risk isn’t a bad thing. We explain what it means and how you can assess and reduce your risk in understanding risk.
  2. Check what level of return you might expect. Will it be enough to help you reach your investment goal? Understanding return explains the different types of return and how you can check that the return you expect is reasonable.
  3. Make sure the cost seems fair. If you’re paying high fees, typically you’d expect returns to be higher. Read costs involved in investing to learn how fees can impact your investment.

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Smart Investor is a Sorted tool to help you easily compare investments by risk (as measured by mix), returns and fees.

Need help from a financial adviser

Find a financial adviser who may also be able to help you with Kiwisaver and other types of managed funds.