Scroll

The final Smart Investor Webinar of 2021 - 4pm, 9 December

Cath Lomax, Chief Client Officer, will be facilitating this session with Ashley Gardyne, Chief Investment Officer, and our Senior Portfolio Managers. They will share portfolio updates, key trends and lessons learned from 2021, and what could be in store for 2022.

Register here

Overview of
Growth Fund »

Overview of
Conservative Fund »

Overview of
Balanced Strategy »

Overview of
GlidePath »

Download the
Scheme Fact Sheet »






Overview of Growth Fund »


Overview of Conservative Fund »


Overview of Balanced Strategy »


Overview of GlidePath »


Download the Scheme Fact Sheet »


Why investing in the right strategy could make all the difference

Growing the real value of your investment is vitally important in any long term savings plan. Even a small increase in the average annual return on your savings makes a significant difference to the value of those savings when you retire.

The longer your investment timeframe, the more you may be comfortable with an investment strategy that consists of more growth assets, such as shares. We think growth assets are important, as most KiwiSaver members have a long time to save for their retirement. Historically, investing in growth assets has produced better long term returns than investing in other asset classes, minimising the impact of inflation over time on your savings.

However, if you are nearing retirement or saving for a first home, you may want to have a more conservative investment approach. Income assets such as cash and fixed interest typically produce more stable returns in the short term.

If you were automatically enrolled into KiwiSaver you will have been put into a default fund which is required to have a conservative investment approach (no more than 25% growth assets). This may not be appropriate for everyone.  

The impact of higher returns on KiwiSaver value  at retirement after 42 years in

Results are simulated in this chart. This analysis assumes an investor starts saving at age 23 with an annual salary of $35,000. Their salary rises steadily at 3.5% p.a. until at age 65 they retire. Of this salary they contribute an after-tax 3% to their KiwiSaver scheme and their employer contributes a before-tax 3%. The employer’s contributions remain subject to contribution tax at current rates (see ird.govt.nz). KiwiSaver Government contributions of $521.43 per year are received throughout each period. No withdrawals are made.

Two investment return assumptions are presented. One is an assumed return for the Conservative Fund of 2.5% after tax and fees each year. The other is an assumed return for the Growth Fund of 4.5% after tax and fees each year. These return assumptions are prescribed in the KiwiSaver regulations. All portfolio amounts are shown in today’s dollar terms.

By presenting portfolio amounts in today’s dollar terms, we have stripped out the impact of inflation from the results, so as to compare purchasing power at retirement with today’s prices for goods and services. Inflation is assumed to average 2%.


Overview of Growth Fund

Summary of investment objectives and strategy

Aims to grow your investment over the long term by investing mainly in growth assets.

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

Target investment mix

Target investment mix Growth Fund

* Other – refers to an investment in a portfolio of listed property and listed infrastructure assets.

Find out more about the companies the Growth Fund currently invests in, what they do and why we like them.

Check out the latest performance.


Overview of 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.

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 (volatility).

Target investment mix

Target investment mix Conservative Fund

* Other – refers to an investment in a portfolio of listed property and listed infrastructure assets.

Find out more about the companies the Conservative Fund currently invests in.

Check out the latest performance.


Balanced Strategy (40% Conservative Fund, 60% Growth 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.

Automatically rebalanced each year to a target fund mix determined by us, within a range of 40% to 50% Conservative Fund and 50% to 60% Growth Fund while you remain invested only in the Balanced Strategy.

Who is the strategy suitable for?

A medium to long term investor:

  • Wants a balance between volatility of returns and achieving potential higher returns

Target investment mix

Target investment mix Balanced Strategy

* Other – refers to an investment in a portfolio of listed property and listed infrastructure assets.

Check out the latest performance.

Join or transfer — it's easy!

Join online now » or   Request a Call »

Is there anything we
can help you with?

Leave us a message