Financial Markets Authority NZ

Feeling unsure about KiwiSaver right now?

New Jess Learns to Invest episode coming soon 🎧

In this episode, Jess speaks with Jon Duffy, Chief Executive of Consumer NZ, about some of the common questions people are asking right now from market drops and fees to fund choices and money advice online.

If you’ve ever wondered whether you should make changes to your KiwiSaver during uncertain times, this one’s for you.

You can’t remove risk from investing, but you can manage it.

Diversification, the right investment mix, and a long-term mindset help everyday investors navigate uncertainty with more confidence.

Seen a public figure promoting an investment online?

It might look real but it could be a deepfake.

Scammers are using AI to create convincing fake videos to promote investment scams. Watch for signs like odd facial movements, glitchy visuals, or voices that sound slightly off.

If something feels off, pause. Check trusted sources and see if it’s shared on official channels before you act.

Is too much diversification possible?

Diversification reduces risk by spreading it across investments.

In some cases, very broad diversification can smooth results so individual stand‑out performers matter less.
What’s “right” depends on your goals, timeframe, and overall situation.

Not sure if your KiwiSaver is set up or up to date? You’re not alone.

Take a couple of minutes to check your provider, update your details, and make sure you’re on the right tax rate.
Future you will thank you.

Investment fees might look tiny, but over decades they can make a significant difference.

Understanding what you’re paying and why is part of being an informed investor.

Watch Tom Hartman explain fees here: https://youtu.be/f0ro8qYU55U?si=uilmwojFueWZK999

Seen an investment video on social media? Be careful.

Scammers are using AI generated deepfake videos of public figures to promote fake investments. These videos may look polished but that doesn’t mean they’re genuine.

Pause and check for:
• Unrealistic returns
• Urgency or secret “one time” offers
• Requests to move the conversation to private messages

Protect yourself by verifying the source before you invest.

If you’re new to investing, volatile markets can make it feel like there’s never a good time to start.

But markets will always move up and down.

Investing small amounts, spreading investments over time, and easing into it can help you learn without feeling overwhelmed.

Watch more here: https://youtu.be/2XTOOD-C1zc

Why emergency savings matter.....

Having a financial buffer means you’re less likely to dip into long term investments when things go wrong.
Emergency savings and investing work best when they go hand in hand.