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Hedged vs. Unhedged Investments: Which One Should You Choose?

Question: Ruth, could you help me understand how to choose hedged or unhedged when investing? This is one of the most frequently asked questions I receive. Investing can be confusing. Not only do you have to consider fund provider, fund choice, and fees, but I often hear from people who come unstuck when they also have the option to choose between selecting “hedged” or “unhedged” for some investment types. Warning: This blog will be boring, brief, but essential.

Why I Changed KiwiSaver Providers

Over the last six months, I’ve had the dawning awareness that it was time to take a deep dive into my KiwiSaver fund. From everything I’ve read and watched, and from the people around me who know about KiwiSaver and investing in general, it was becoming clear that my Simplicity High Growth KiwiSaver fund might have got me to this stage in life, but it's not appropriate for the next chapter.