The trick is deciding which is right for you and your circumstances and the level of risk you are willing to take. Corporate bonds are generally higher risk and provide a higher return than government or council bonds. Managed funds, which include KiwiSaver, are a great way of investing in shares, property, bonds and cash without the risk associated with investing in one place – and someone else does all the hard work. Though these can be very rewarding if you buy and sell at the right time, they can also crash and burn your money. Easier still, seek some independent advice from a financial adviser who will likely already have checked out the shares versus gold dilemma.

Source: Stuff August 19, 2020 17:02 UTC