Quote Originally Posted by Valuegrowth View Post
Where did you invest your kiwi saver and retirement money?

Individual stocks
Different types of funds
100% cash fund
Others

I am in 100% cash fund as I didn’t want to take extra risk from my retirement funds. I found in some situation even cash fund could become risky. Therefore, I am hoping to put entire money into individual stocks and looking for a quality retirement funds provider. Is it a risky decision? Thanks.
KS all in active growth..Bear markets appear to only last less than 2 years so I find its imperative that I have 2 years of liquidity(mainly revolving credit facility) without selling any investments.
My view is your investment risk is highest if you have long term term deposits.What will your term deposit be worth in 10,20,30 years?.Will it have kept up with inflation?