Investment Options for the
    Fisher Funds LifeSaver Plan

    LifeSaver provides a range of investment options so you can choose what's right for you. Invest in one of our seven funds or a mix of them to suit your retirement goals.

    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.

    Suggested minimum timeframe
    --
    Risk indicator
     
    1
    7

    Risk indicator for the Preservation Fund:

    Lower risk

    Higher risk

    1
    2
    3
    4
    5
    6
    7

    Potential lower returns

    Potential higher returns

    The 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.

    Annualised 5-year return
    2.0%
    Annual fund charge
    0.51%
    Who is the fund suitable for?

    A short term or naturally cautious investor:

    • Looking to make a withdrawal within 12 months
    • Most interested in low volatility of returns over achieving potential higher returns

    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.

    Suggested minimum timeframe
    Three years
    Risk indicator
     
    1
    7
    3

    Risk indicator for the Conservative Fund:

    Lower risk

    Higher risk

    1
    2
    3
    4
    5
    6
    7

    Potential lower returns

    Potential higher returns

    The 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.

    Annualised 5-year return
    3.1%
    Annual fund charge
    0.9%
    Who is the fund suitable for?

    A short term or naturally cautious investor:

    • Looking to make a withdrawal within 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.

    New Zealand Fixed Income Fund

    Summary of investment objectives and strategy

    Aims to provide stable returns over the long term by investing in New Zealand fixed interest assets.

    Suggested minimum timeframe
    Four years
    Risk indicator
     
    1
    7
    3

    Risk indicator for the New Zealand Fixed Income Fund:

    Lower risk

    Higher risk

    1
    2
    3
    4
    5
    6
    7

    Potential lower returns

    Potential higher returns

    The 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.

    Annualised 5-year return
    0.6%
    Annual fund charge
    0.66%
    Who is the fund suitable for?

    A short term or naturally cautious investor:

    • Looking to make a withdrawal within 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 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.

    Suggested minimum timeframe
    Five years
    Risk indicator
     
    1
    7
    4

    Risk indicator for the Balanced Fund:

    Lower risk

    Higher risk

    1
    2
    3
    4
    5
    6
    7

    Potential lower returns

    Potential higher returns

    The 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.

    Annualised 5-year return
    6.0%
    Annual fund charge
    1%
    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 Fund

    Summary of investment objectives and strategy

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

    Suggested minimum timeframe
    Seven years
    Risk indicator
     
    1
    7
    5

    Risk indicator for the Growth Fund:

    Lower risk

    Higher risk

    1
    2
    3
    4
    5
    6
    7

    Potential lower returns

    Potential higher returns

    The 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.

    Annualised 5-year return
    8.3%
    Annual fund charge
    1.09%
    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.

    Suggested minimum timeframe
    Ten years
    Risk indicator
     
    1
    7
    5

    Risk indicator for the Equity Fund:

    Lower risk

    Higher risk

    1
    2
    3
    4
    5
    6
    7

    Potential lower returns

    Potential higher returns

    The 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.

    Annualised 5-year return
    10.9%
    Annual fund charge
    1.13%
    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

    Trans Tasman Equity Fund

    Summary of investment objectives and strategy

    Focuses on growth of your investment over the long term by investing in Australasian shares.

    Suggested minimum timeframe
    Ten years
    Risk indicator
     
    1
    7
    6

    Risk indicator for the Trans Tasman Equity Fund:

    Lower risk

    Higher risk

    1
    2
    3
    4
    5
    6
    7

    Potential lower returns

    Potential higher returns

    The 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.

    Annualised 5-year return
    11.5%
    Annual fund charge
    0.93%
    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

    Here's how you can contact us

    • Email us

      Our friendly team is here to help.

      Email us a query
    • Give us a call

      Mon-Fri from 8.30am to 5.00pm.

      0508 347 437

      +64 9 445 3377

    • Postal address

      Fisher Funds Management Limited,

      Private Bag 93502, Takapuna,

      Auckland 0740, New Zealand

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