Preservation Fund
Summary of investment objectives and strategy
Aims to provide stable returns and reduce the potential of capital loss over the short to medium term by investing in New Zealand cash and New Zealand short term fixed interest assets.
Risk indicator for the Preservation Fund:
Lower risk Higher riskThe risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
Who is the fund suitable for?
This fund is suitable for a short term or naturally cautious investor who is looking to make a withdrawal within 12 months or who is most interested in low volatility of returns over achieving potential higher returns.
Conservative Strategy100% Conservative Fund
Summary of investment objectives and strategy
Aims to provide stable returns over the long term by investing mainly in income assets with a modest allocation to growth assets.
Risk indicator for the Conservative Strategy:
Lower risk Higher riskThe risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
Who is the fund suitable for?
A short term or naturally cautious investor:
- Looking to make a withdrawal in the short term
- Values lower volatility of returns over achieving potential higher returns
While this fund is designed to be conservative in nature, in times of heightened market volatility the value of your investment may go up or down.
Balanced Strategy100% Balanced Fund
Summary of investment objectives and strategy
Aims to provide a balance between stability of returns and growing your investment over the long term by investing in a mix of income and growth assets.
Risk indicator for the Balanced Strategy:
Lower risk Higher riskThe risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
Who is the fund suitable for?
A medium to long term investor:
- Wants a balance between volatility of returns and achieving potential higher returns
Growth Strategy100% Growth Fund
Summary of investment objectives and strategy
Aims to grow your investment over the long term by investing mainly in growth assets.
Risk indicator for the Growth Strategy:
Lower risk Higher riskThe risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
Who is the fund suitable for?
A long term investor:
- Can tolerate volatility of returns in the expectation of potential higher returns
- Has time on their side
Equity Fund
Summary of investment objectives and strategy
Focuses on growth of your investment over the long term by investing in New Zealand and international shares.
Risk indicator for the Equity Fund:
Lower risk Higher riskThe risk indicator is rated from 1 (low) to 7 (high). The rating reflects how much the value of the fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way.
Who is the fund suitable for?
A long term investor:
- Can tolerate significant volatility of returns in the expectation of potential higher returns
- Has time on their side
GlidePath
Summary of investment objectives and strategy
GlidePath takes the hassle out of investing. With GlidePath, your account is automatically invested in one or a mix of funds that changes based on your age. It's designed to reduce your investment risk as you get older.
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