We offer three investment funds - Conservative, Balanced and Growth. You can choose one, or a combination of these investment funds, to suit your timeframe, goals and attitude to risk.
Here you can see each of the funds we offer, how they are invested, the objective of that fund and who they might generally be suitable for. If you aren’t sure which fund might suit you best, why not try the investment kickstarter calculator on Sorted’s website. It can help point you towards the fund which might best suit your needs.
Each investment fund has a different level of risk, which depends on the type of assets it invests in. The Conservative Fund is our lowest risk fund because it primarily invests in lower risk assets, such as cash and fixed interest. The Growth Fund is our highest risk fund because it invests mostly in higher risk assets, such as shares.
Generally speaking, the more risk you take on, the greater the potential for returns on your money over the long-term. So putting your money in a higher risk investment fund could earn you greater returns in the long-run. However, this also means you’ll also have to put up with seeing your account balance experience more extreme ups and downs, more frequently, than if you were invested in a lower risk fund. You need to decide what you might be comfortable with.
| How it's invested | Objective (over the minimum suggested investment timeframe) |
Generally suitable for |
|
Invested up to 20% in shares and other growth assets, with the remainder invested in cash and fixed interest assets. |
To exceed the returns you would receive from investing 85% of your funds in cash and New Zealand fixed interest assets, and 15% in global shares over the minimum suggested investment timeframe. | Someone with a short-term investment timeframe of 1 – 5 years. Or for those who are risk averse and can tolerate the occasional decline in the value of their investment. |
| How it's invested | Objective (over the minimum suggested investment timeframe) |
Generally suitable for |
|
Invested up to 70% in shares and other growth assets, with the remainder in cash and fixed interest assets. |
To exceed the returns you would receive from investing 45% of your funds in cash and New Zealand fixed interest assets, and 55% in global shares over the minimum suggested investment timeframe. | Someone with a medium-term investment timeframe of 5 - 10 years. Or those who have a moderate appetite for risk and tolerance for declines in the value of their investment. |
| How it's invested | Objective (over the minimum suggested investment timeframe) |
Generally suitable for |
|---|---|---|
|
Invested up to 100% in shares and other growth assets, with the remainder invested in cash and fixed interest assets. |
To exceed the returns you would receive from investing 85% of your funds in global shares and 15% in cash and New Zealand fixed interest assets over the minimum suggested investment timeframe. | Someone with a long-term investment timeframe of more than 10 years and who has a greater tolerance for declines in the value of their investment. |
When choosing a fund, you should choose a fund that suits your goals, investment timeframe, and attitude to risk. This is called setting your ‘investment mandate’.
You can choose a different investment mandate for each investment account you open.
You can switch between investment funds at any time and free of charge. Simply email us for a copy of the Changing Investments Form.
Note: While we don’t charge any fees for switching, the buy/sell spreads will apply.
Links
Kiwi Wealth® is a registered trademark of Kiwi Wealth Investments Limited Partnership. Future You® is a registered trademark of Kiwi Wealth Limited. Kiwi Wealth Limited is the issuer and manager of the Kiwi Wealth KiwiSaver Scheme and Kiwi Wealth Managed Funds.
Kiwi Wealth Investments Limited Partnership is the issuer and manager of the Kiwi Wealth Super Scheme.
© 2019 Kiwi Wealth Limited
