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Investment options

Its name might be misleading but KiwiSaver isn’t a savings account - it’s an investment. This means that, instead of sitting in an account earning perhaps a small amount of interest, your KiwiSaver money is being invested on your behalf by your KiwiSaver provider.

What they invest your money in, and how much return you could see on your investment, is down to the investment fund you choose.

Find out more about how KiwiSaver works as an investment.

The Kiwi Wealth KiwiSaver Scheme has six investment funds:

Each investment fund has a different level of risk, which depends on the type of asset it invests in. Cash is our lowest risk fund because it invests in low risk assets, such as cash. And Growth 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.

You can find more about each of our investment funds, what they invest in and the type of investor they might suit below:

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Cash Investment Fund

How it's invested

Invested 100% in cash assets.

Objective

Its objective is to exceed the returns you would receive from investing 100% of your funds in New Zealand cash through the active selection of cash assets.

Timeframe

Suggested for someone with a short (less than 12 months) investment timeframe. 

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CashPlus Investment Fund

How it's invested

Invested up to 60% in fixed interest assets, and the remainder in cash assets. 

Objective

Its objective is to exceed the returns you would receive from investing 75% of your funds in New Zealand cash and 25% in New Zealand fixed interest assets through active asset allocation and active selection of cash and fixed interest assets.

Timeframe

Suggested for someone with a short (less than 3 years) investment timeframe.

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Conservative Investment Fund

How it's invested

Invested up to 20% in shares and other growth assets, with the remainder invested in cash and fixed interest assets.

Objective

Its objective is to exceed the returns you would receive from investing 85% of your funds in New Zealand fixed interest assets and cash, and 15% in global shares, through active asset allocation and active selection of shares and other growth assets, fixed interest and cash assets.

Timeframe

Suggested for someone with a short (1 to 5 years) investment timeframe. 

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Default Investment Fund

How it's invested

Intended for short-term investment until you choose the best fund(s) for your circumstances. It holds 15% to 25% in shares and other growth assets at all times, with the remainder invested in a combination of cash and fixed interest assets.

Objective

Its objective is to deliver a benchmark return similar to being invested in a fund of 50% in New Zealand cash, 30% in New Zealand fixed interest assets and 20% in shares and other growth assets.

Timeframe

Suggested for someone with a short (1 to 5 years) investment timeframe. 

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Balanced Investment Fund

How it's invested

Invested up to 70% in shares and other growth assets, with the remainder invested in cash and fixed interest assets.

 Objective

Its objective is to exceed the returns you would receive from investing 45% of your funds in New Zealand fixed interest assets and cash, and 55% in global shares, through active asset allocation and active selection of shares and other growth assets, fixed interest and cash assets.

Timeframe

Suggested for someone with a medium (5 to 10 years) investment timeframe. 

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Growth Investment Fund

How it's invested

Invested up to 100% in shares and other growth assets, but will usually have some invested in fixed interest and cash assets.

Objective

Its objective is to exceed the returns you would receive from investing 85% of your funds in global shares and 15% of your funds in New Zealand fixed interest assets and cash through active asset allocation and active selection of shares and other growth assets, fixed interest and cash assets.

Timeframe

Suggested for someone with a long (more than 10 years) investment timeframe. 

Performance 

Find out about the performance of each of our investment funds.

Take a look at our performance section to find out more.

Fees

See how much you'll pay per annum for each fund.

Check out our fees table.

 

Choosing your Investment Direction

When choosing the investment fund - or combination of funds, which we call setting your Investment Direction – you need to consider three things:

  • the amount of risk you’re comfortable taking on,
  • your investment timeframe and
  • your financial situation.

Check out our video 'Understanding investment risk' for more info about choosing the investment fund that's right for your needs.

Not sure which investment fund might be right for you?

Try our Risk Profiling Tool to get a better understanding of which Kiwi Wealth KiwiSaver Scheme fund might be best for someone like you.

Try the Risk Profiling Tool now.

This is intended as general information only. It does not take into account your financial situation and goals and is not personal advice. For advice about your particular circumstances, please see your financial adviser.

 

 

Setting your Investment Direction

Setting your Investment Direction is easy when you're a member of our Scheme. Simply log into your Kiwi Wealth KiwiSaver Scheme member account and go to your Personal Details page to request a change. You can do it at any time and free of charge.

You can also request a change in writing, by contacting our friendly Customer Services Team, and including your full name and IRD number. 

 

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