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Upside, downside

A guide to risk for savers and investors.

About Upside, downside

We commissioned investment commentator Mary Holm to write Upside, downside: A guide to risk for savers and investors.

The guide:

  • walks you through the different types of investment risk
  • explains why investment risk is not necessarily a bad thing
  • gives tips on how to reduce risk.

About Mary Holm

Download the guide


This guide was commissioned by the Reserve Bank of New Zealand. It is written by Mary Holm.

The views are those of the author and do not necessarily represent the views of the Reserve Bank of New Zealand. This guide does not offer specific financial advice — readers are responsible for their own decisions about investment and risk. Neither the Reserve Bank nor Mary Holm accepts any liability for any reliance on the contents of this guide. Although Mary Holm is a director of Financial Services Complaints Ltd (FSCL), and a former director of the Financial Markets Authority (FMA), her views in this guide are in no way connected with FSCL or the FMA.