But diversification by spreading savings among different funds and providers allows investors to reduce risk.

Making the move from being a working person to living, at best, in reduced circumstances, and at worst on NZ Super alone, is difficult.

The government needs to act on the Reserve Bank's warning that the boom affecting the Auckland housing market could spark a financial crisis, writes Fran O'Sullivan.

John Drinnan on Fairfax Media's Herculean task in trying to rescue its huge photo archive from a legal quagmire.

It seems the Government plans to rely heavily on a hoard of cheap, low-quality carbon credits to meet its current climate change target.

Jock Anderson on IPCA appointments, gossip about Justice Simon Moore and the rule of law controversy.

Personal finance columnist David Chaplin on the court case between 12 global investors and the Portuguese 'Novo Banco'.

If you'd like a challenge, I thoroughly recommend getting some wheels and starting to train for a cycle trail somewhere next summer.

Better than nothing, but only just. The increase in funding for business research and development grants Prime Minister John Key announced yesterday looks even less impressive in light of numbers....

Fund managers - even the 'vanilla' vendors - could pose a risk to the global financial system, according to a new IMF report.

I have been retired for one year now and am thinking of using my KiwiSaver balanced fund to provide an income.

Don’t forget to pick up your big five hundy this year in KiwiSaver.

Business motivational speaker Debbie Mayo-Smith's tips to communicating effectively by making connections.

When Dan Collins' late father was hit by a rare medical condition a few years ago, Collins was surprised by what he saw of the health system.

'Young and fabulous,' it says on the teenager's T-shirt, in big gold letters. If it is meant to be ironic, it isn't.

The kiwi nearing parity with the Australian dollar is causing concern for New Zealand tourism operators, but nobody's pressing the panic button yet.

If you are reading this and you don't own Auckland property, this will probably ruin your Sunday.

Dividend imputation credits in Australian headlines this week looked strange from a NZ viewpoint because Oz business leaders, rather than unions, are calling for reforms of the system, writes Brian Gaynor.

Jock Anderson on the rule of law, the criminal call-over, the St Bedes rowers, name suppression for sex offenders and a tranny-saurus.

Personal finance columnist David Chaplin says parity with the Aussie dollar is no cause for celebration.

Fran O'Sullivan on governor Lu Hao - widely tipped to be a major player in Beijing's "next generation" leadership - who was in NZ yesterday.

Time and productivity columnist Robyn Pearce adds to her list of time-saving email tips that will save you hours per week.

Tech blogger Juha Saarinen explores steganography, reviews Justwatch and the 2015 13-inch MacBook Air.

Technology columnist Chris Barton comments on the problems with the Harmful Digital Communications Bill.

Gift certificates are an excellent way to create a quick surge of new sales from your existing clients and customers.

Business editor Liam Dann is heading to China to look at China's slowing economic growth and how it will affect NZ.