Watch: How best to invest your hard earned cash

For many Kiwis, there likely exists a feeling they probably don't have much spare cash to invest.

And the buzz words of the investment world can often be a turn off too, not to mention the risk of losing it all.

But are there options to reduce those risks while growing your money?

The Financial Markets Authority certainly thinks so and they reckon the best way to start is by thinking about investing as a day at the beach.

Seven Sharp's Rebecca Edwards took them up on that offer and went along to find out in the video above.