What's the difference?

Choose from our three funds when you open your account

There are three funds available when you set up an account with us. You can choose Conservative, Balanced, Growth, or a combination, to suit your investment timeframe, goals, and attitude to risk.

Each fund has a different level of risk, depending on the type of assets it invests in. Our Conservative fund is the lowest risk of the three, investing mostly in cash and fixed interest assets. Our Growth fund invests mostly in higher-risk assets such as shares, and our Balanced fund sits between the two.

Generally speaking, the more risk you take on in your investments, the greater the potential for returns on your investment over the long term. Putting your money in a higher risk fund could earn you much greater returns in the long run, though you'll also see your balance go through more extreme ups and downs more frequently than you would with a lower risk fund.

When choosing an investment fund, you should consider your goals, how long you want to invest, and how comfortable you are with risk.

Kiwi Wealth Managed Fund investments can go up and down in value.

Conservative

Our lowest risk fund

How it's invested

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

Timeframe

The Conservative fund is generally best for someone with a short investment timeframe, one to five years, or for someone who is risk-averse and comfortable with the occasional decline in the value of their investment.

Objective

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.

Balanced

Our medium risk fund

How it's invested

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

Timeframe

The Balanced fund is generally best for someone with a medium investment timeframe, five to ten years, or someone who has a moderate appetite for risk and tolerance for declines in the value of their investment.

Objective

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 over the minimum suggested investment timeframe.

Growth

Our highest risk fund

How it's invested

This fund invests up to 100% in shares and other growth assets, with the remainder invested in cash and fixed interest assets.

Timeframe

The Growth fund is generally best for someone with a long investment timeframe, ten years or more, and someone with a greater tolerance for declines in the value of their investment.

Objective

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.

Need to know more?

If you're having trouble choosing the right fund for your goals, we've got some additional information that might help.

Looking for something else?