But what about the nuts and bolts of where you actually invest?
You want something that's low-fee, easy to use, and lets you make the type of investments that suit your plan.
On the latest Cooking the Books podcast I talked to Herald careers and money writer Diana Clement about the main options for New Zealanders.
We discussed the different investing platforms, how safe they are, and investing in individual companies versus funds.
For the episode, listen on the podcast player above.
If you have a question about this podcast, or a question you'd like answered in the next one, come and talk to me about it. I'm on Facebook here, Instagram here and Twitter here.
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