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What will your results be like? Here is one possible outcome along with the other investor types to give you an idea. The example graphs shown here are of $10,000 invested over 25 years with $50 added each week. To bring you these, we've based them on a range of assumptions and thousands of simulations. Your results will vary.
Can achieve higher returns over the long term
Do not need regular income from their investments
Accept extreme ups and downs in the value of their investments
Your mix of investments (asset allocation) will drive your results – including the amount of money you get back (returns) and the ups and downs in value (volatility) you experience. For your specific profile, a typical mix might look like this:
Shares With shares you buy a slice of a company and receive part of its profit, either from dividends it pays or because its share price climbs. Here’s more about investing in shares.
Property Property refers to commercial property or owning rental property. Here’s our property investing guide.
Bonds With bonds you lend your money to a government or company and they pay you regular interest payments. Here’s more about investing in bonds.
Cash Investors and fund managers will typically hold some cash, much like we would in a term deposit. Here’s more about investing in cash.
Within each kind of investment (asset class), it’s a good idea to spread your risk (diversify) across a variety of companies, industries and countries in order to smooth out the ups and downs. Some might not do so well, while others might do quite well – so it’s safer to diversify and not have all your eggs in one basket.
Contributing regularly over time (dollar-cost averaging) is a way to get better results. When markets are up and investments are more pricey, the dollars you put in buy less. But when they’re down and investments are on sale, your money buys more. And it takes the guesswork out of deciding when to invest.
If you invested a lump sum of $10,000 and just left it for 25 years, it would only grow so much. What if you added to it each week?
Compare investment offers across New Zealand – managed funds, KiwiSaver, shares and bonds.
As you put your money to work, how much risk is right for you? It depends on your personality, situation and the timeframe you’re investing for. Build your investor profile here.
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