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Photo: RNZ Got a question about personal finance or the economy? Email it to susan.edmunds@rnz.co.nz My older sister has been telling me to switch to her Simplicity high-growth KiwiSaver. She says the returns are excellent because it's an index fund with low fees. I'm not a fan of the build-to-rent aspect of Simplicity - it seems risky to me - and I'm not sure how this fits in to their KiwiSaver scheme. My KiwiSaver is a growth fund with the ANZ Bank. I feel like it's safer having my KiwiSaver with a bank rather than a newcomer like Simplicity. But I agree with her that the lower fees are tempting, and I like the sound of an index fund. Simplicity is a lower-fee option for KiwiSaver, with a passive investment structure that means that it largely mirrors the performance of markets rather...

There's no perfect time to open a restaurant, the owner of new Māngere Bridge cafe The Gaff says. Photo: RNZ/Nick Monro The restaurant business is a notoriously high risk venture. Mix that with the worst recession in 15 years and you'd think you have a recipe for disaster. But there are plenty of food businesses showing that you can overcome tough economic times. RNZ speaks to four owners who said bugger the recession, and opened their doors anyway. San Ray now occupies the historic building that once housed Orphan's Kitchen. Photo: Instagram / San Ray 'It's all on the line and it's utterly terrifying' - Rebecca Schmidt, owner of San Ray, Ponsonby, Auckland After a year of searching, Rebecca Schmidt and her partner found the perfect home for their new restaurant on Auckland's Pons...