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Gear up your KiwiSaver savings

Shift gears on your KiwiSaver account with Booster’s Geared Growth Fund.

Speak to a Booster adviser to see if the Geared Growth Fund is a good fit for you.

booster-kiwisaver-scheme-bird-and-egg-new-zealand
What's a Geared Growth fund? The Geared Growth Fund invests mainly in growth assets and is designed to help you magnify your long-term returns by giving you access to gearing.

‘Gearing’ simply means borrowing money to invest. The Geared Growth Fund increases the effective size of your invested funds by purchasing additional investments with borrowed funds.
Why would you gear your growth? Although gearing may give you more volatile returns in the short-term, it has the potential to increase your returns over the long-term.

This is because long-run historical average returns from growth assets (shares and property) tend to be higher than long-run historical average interest rates.
How does gearing work?

Just like getting a mortgage on a house, gearing or borrowing to buy additional investments in a fund amplifies your returns, both up and down.

The fund’s target gearing ratio is 35%, meaning it may borrow 35 cents for every $1 invested in the fund.

E.g. if your underlying investments in the fund increased by 10%, you would receive a 13.5% return. However, if your underlying investments in the fund fell by 10%, your account balance would fall by 13.5%.

See the fund’s PDS for more information.

Is the Geared Growth Fund right for me?

Gearing amplifies your returns – both up and down. It depends on how comfortable you are with market ups and downs (your risk profile) and how long you plan to invest in the fund (your investment timeframe).

Because the Geared Growth Fund utilizes gearing to invest in predominately growth assets, with little or no income assets, it is suitable for investors who have an investment timeframe of 15 years+ and who are comfortable with a higher level of risk in order to potentially achieve greater returns.

Geared Growth Fund

These funds aim to provide savers with a portfolio of growth-oriented assets to maximise the potential for capital gains over the long term. We have two Geared Growth Funds. 

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Socially Responsible Geared Growth Fund

Geared Growth Fund

Recommended selected-arrow
Growth

Socially Responsible Geared Growth Fund

Suitable for you if: you’re planning to buy a house or retire in 15 plus years and are comfortable with your balance going up and down a lot if it means you might get much better returns. You want a fund that reflects your personal values.

9.80%

Expected long term annual return (after fees, before tax)*

15yr+

Suggested investment timeframe

Chart arrows_RGB_Balanced
Anticipated ups and downs
Speedometer_Seven risks_RGB_6
Risk indicator
Dollar sign_RGB_3
Potential return

Benefits with this fund

  • Exclusion_Digital_Blue
  • Award ribbon_Digital_Blue
  • Scale_Digital_Blue
  • Umbrella_CMYK_Green
  • Fees_CMYK_Green
  • Speech Bubble_CMYK_Green
  • Booster Phone_CMYK_Green
  • Bar Chart_CMYK_Green
  • NZ_CMYK_Green
  • Beehive_CMYK_Green
  • Discount coins_CMYK_Green
Get this fund Know More
Benefits
  • Exclusion_Digital_Blue Restricts direct investments in 15 controversial activities
  • Award ribbon_Digital_Blue Certified Socially Responsible fund
  • Scale_Digital_Blue Assessed on ESG factors
  • Umbrella_CMYK_Green Free accidental death cover for eligible members
  • Fees_CMYK_Green No member fees on low balances
  • Speech Bubble_CMYK_Green Access to independent financial advice
  • Booster Phone_CMYK_Green mybooster app and online portal
  • Bar Chart_CMYK_Green Investment and KiwiSaver specialists
  • NZ_CMYK_Green Booster is NZ owned and operated
  • Beehive_CMYK_Green Govt. appointed default KiwiSaver Scheme provider
  • Discount coins_CMYK_Green Fee discounts for high balances
Strategy, allocation and risk level

We aim to achieve this by investing predominantly in growth assets, with little or no allocation to income assets, and the use of leverage to provide increased exposure, and the application of our Responsible Investment Policy.

Fund asset allocation Risk indicator
99%

Growth Assets

1%

Income Assets

6

Where would my money be invested in?

NZ: Shares, Cash, Listed Property

Global: Shares, Listed Property

Fees

Two types of charges apply:

  • A member fee of $3 per month aside from the Default Saver fund that has no member fee

  • An annual fund charge: percentage based

1.75%

Annual fund charge (estimated total)

Recommended selected-arrow
Growth

Geared Growth Fund

Suitable for you if: you’re planning to buy a house or retire in 15 plus years and are comfortable with your balance going up and down a lot if it means you might get much better returns. 

9.80%

Expected long term annual return (after fees, before tax)

15yr+

Suggested investment timeframe

Chart arrows_RGB_Balanced
Anticipated ups and downs
Speedometer_Seven risks_RGB_6
Risk indicator
Dollar sign_RGB_3
Potential return

Benefits with this fund

  • Trophy (Goal)_Digital_Blue
  • Scale_Digital_Blue
  • Umbrella_CMYK_Green
  • Fees_CMYK_Green
  • Speech Bubble_CMYK_Green
  • Booster Phone_CMYK_Green
  • Investing back into NZ
  • Bar Chart_CMYK_Green
  • NZ_CMYK_Green
  • Beehive_CMYK_Green
  • Discount coins_CMYK_Green
Get this fund Know More
Benefits
  • Trophy (Goal)_Digital_Blue Award-winning fund
  • Scale_Digital_Blue Assessed on ESG factors
  • Umbrella_CMYK_Green Free accidental death cover for eligible members
  • Fees_CMYK_Green No member fees on low balances
  • Speech Bubble_CMYK_Green Access to independent financial advice
  • Booster Phone_CMYK_Green mybooster app and online portal
  • Investing back into NZ Investing back into NZ
  • Bar Chart_CMYK_Green Investment and KiwiSaver specialists
  • NZ_CMYK_Green Booster is NZ owned and operated
  • Beehive_CMYK_Green Govt. appointed default KiwiSaver Scheme provider
  • Discount coins_CMYK_Green Fee discounts for high balances
Strategy, allocation and risk level

We aim to achieve this by investing predominantly in growth assets, with little or no allocation to income assets, and the use of leverage to provide increased exposure.

Fund asset allocation Risk indicator
99%

Growth Assets

1%

Income Assets

6

Where would my money be invested in?

NZ: Shares (including Tahi, PLPF and BIF), Fixed Interest, Cash, Term Deposits, Bonds

Global: Shares, Listed Property

Fees

Two types of charges apply:

  • A member fee of $3 per month aside from the Default Saver fund that has no member fee

  • An annual fund charge: percentage based

1.77%

Annual fund charge (estimated total)

Benefits
Fund benefits Booster benefits
  • Exclusion_Digital_Blue Restricts direct investments in 15 controversial activities
  • Award ribbon_Digital_Blue Certified Socially Responsible fund
  • Scale_Digital_Blue Assessed on ESG factors
  • Umbrella_CMYK_Green Free accidental death cover for eligible members
  • Fees_CMYK_Green No member fees on low balances
  • Speech Bubble_CMYK_Green Access to independent financial advice
  • Booster Phone_CMYK_Green mybooster app and online portal
  • Bar Chart_CMYK_Green Investment and KiwiSaver specialists
  • NZ_CMYK_Green Booster is NZ owned and operated
  • Beehive_CMYK_Green Govt. appointed default KiwiSaver Scheme provider
  • Discount coins_CMYK_Green Fee discounts for high balances
  • Trophy (Goal)_Digital_Blue Award-winning fund
  • Scale_Digital_Blue Assessed on ESG factors
  • Umbrella_CMYK_Green Free accidental death cover for eligible members
  • Fees_CMYK_Green No member fees on low balances
  • Speech Bubble_CMYK_Green Access to independent financial advice
  • Booster Phone_CMYK_Green mybooster app and online portal
  • Investing back into NZ Investing back into NZ
  • Bar Chart_CMYK_Green Investment and KiwiSaver specialists
  • NZ_CMYK_Green Booster is NZ owned and operated
  • Beehive_CMYK_Green Govt. appointed default KiwiSaver Scheme provider
  • Discount coins_CMYK_Green Fee discounts for high balances
Strategy, allocation and risk level

We aim to achieve this by investing predominantly in growth assets, with little or no allocation to income assets, and the use of leverage to provide increased exposure, and the application of our Responsible Investment Policy.

Fund asset allocation Risk indicator
99%

Growth Assets

1%

Income Assets

6

Where would my money be invested in?

NZ: Shares, Cash, Listed Property

Global: Shares, Listed Property

We aim to achieve this by investing predominantly in growth assets, with little or no allocation to income assets, and the use of leverage to provide increased exposure.

Fund asset allocation Risk indicator
99%

Growth Assets

1%

Income Assets

6

Where would my money be invested in?

NZ: Shares (including Tahi, PLPF and BIF), Fixed Interest, Cash, Term Deposits, Bonds

Global: Shares, Listed Property

Fees

Two types of charges apply:

  • A member fee of $3 per month aside from the Default Saver fund that has no member fee

  • An annual fund charge: percentage based

1.75%

Annual fund charge (estimated total)

1.77%

Annual fund charge (estimated total)

*Expected returns are calculated based on long-run expectations for investment markets and fund performance, and are not a guarantee of future results. The calculation takes information on how market returns have varied in the past and gives a range of what is assessed to be likely in the future. The ranges of expected returns have been calculated using a statistical tool of 2 ½ standard deviations of return volatility – this means that actual returns are expected to fall outside these ranges 1 year out of every 100. While these ranges may be used as a guide, due to the uncertainty inherent in financial markets they are also not guaranteed.

KiwiSaver fund selector

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What’s your next goal for your KiwiSaver savings?
When do you plan to make a significant lump sum withdrawal for this goal?
Suppose you had $20,000 in your KiwiSaver account. How much could the value of your account go down by in a year before you started to feel really uncomfortable?
Should we suggest a socially responsible investment fund to match your goals? This will only display if one is available.
Investing is a long-term plan. Generally, if you have a longer investment timeframe, you may be able to take on more risk than you realise. Based on your answers, you might benefit from speaking with a financial advice provider to work out the right fund for your savings goals. Give us a call on 0800 336 338 and we’ll help you with that. Suggest a Fund for Me
Growth

Socially Responsible Geared Growth Fund

Suitable for you if: you’re planning to buy a house or retire in 15 plus years and are comfortable with your balance going up and down a lot if it means you might get much better returns. You want a fund that reflects your personal values.

9.80%

Expected long term annual return (after fees, before tax)

15yr+

Suggested investment timeframe

Chart arrows_RGB_Balanced
Anticipated ups and downs
Speedometer_Seven risks_RGB_6
Risk indicator
Dollar sign_RGB_3
Potential return

Benefits with this fund

  • Exclusion_Digital_Blue
  • Award ribbon_Digital_Blue
  • Scale_Digital_Blue
  • Umbrella_CMYK_Green
  • Fees_CMYK_Green
  • Speech Bubble_CMYK_Green
  • Booster Phone_CMYK_Green
  • Bar Chart_CMYK_Green
  • NZ_CMYK_Green
  • Beehive_CMYK_Green
  • Discount coins_CMYK_Green
Get this fund
Growth

Geared Growth Fund

Suitable for you if: you’re planning to buy a house or retire in 15 plus years and are comfortable with your balance going up and down a lot if it means you might get much better returns. 

9.80%

Expected long term annual return (after fees, before tax)

15yr+

Suggested investment timeframe

Chart arrows_RGB_Balanced
Anticipated ups and downs
Speedometer_Seven risks_RGB_6
Risk indicator
Dollar sign_RGB_3
Potential return

Benefits with this fund

  • Trophy (Goal)_Digital_Blue
  • Scale_Digital_Blue
  • Umbrella_CMYK_Green
  • Fees_CMYK_Green
  • Speech Bubble_CMYK_Green
  • Booster Phone_CMYK_Green
  • Investing back into NZ
  • Bar Chart_CMYK_Green
  • NZ_CMYK_Green
  • Beehive_CMYK_Green
  • Discount coins_CMYK_Green
Get this fund
Benefits
  • Exclusion_Digital_Blue Restricts direct investments in 15 controversial activities
  • Award ribbon_Digital_Blue Certified Socially Responsible fund
  • Scale_Digital_Blue Assessed on ESG factors
  • Umbrella_CMYK_Green Free accidental death cover for eligible members
  • Fees_CMYK_Green No member fees on low balances
  • Speech Bubble_CMYK_Green Access to independent financial advice
  • Booster Phone_CMYK_Green mybooster app and online portal
  • Bar Chart_CMYK_Green Investment and KiwiSaver specialists
  • NZ_CMYK_Green Booster is NZ owned and operated
  • Beehive_CMYK_Green Govt. appointed default KiwiSaver Scheme provider
  • Discount coins_CMYK_Green Fee discounts for high balances
  • Trophy (Goal)_Digital_Blue Award-winning fund
  • Scale_Digital_Blue Assessed on ESG factors
  • Umbrella_CMYK_Green Free accidental death cover for eligible members
  • Fees_CMYK_Green No member fees on low balances
  • Speech Bubble_CMYK_Green Access to independent financial advice
  • Booster Phone_CMYK_Green mybooster app and online portal
  • Investing back into NZ Investing back into NZ
  • Bar Chart_CMYK_Green Investment and KiwiSaver specialists
  • NZ_CMYK_Green Booster is NZ owned and operated
  • Beehive_CMYK_Green Govt. appointed default KiwiSaver Scheme provider
  • Discount coins_CMYK_Green Fee discounts for high balances
Strategy, allocation and risk level

We aim to achieve this by investing predominantly in growth assets, with little or no allocation to income assets, and the use of leverage to provide increased exposure, and the application of our Responsible Investment Policy.

Fund asset allocation Risk indicator
99%

Growth Assets

1%

Income Assets

6

Where would my money be invested in?

NZ: Shares, Cash, Listed Property

Global: Shares, Listed Property

We aim to achieve this by investing predominantly in growth assets, with little or no allocation to income assets, and the use of leverage to provide increased exposure.

Fund asset allocation Risk indicator
99%

Growth Assets

1%

Income Assets

6

Where would my money be invested in?

NZ: Shares (including Tahi, PLPF and BIF), Fixed Interest, Cash, Term Deposits, Bonds

Global: Shares, Listed Property

Fees

Two types of charges apply:

  • A member fee of $3 per month aside from the Default Saver fund that has no member fee

  • An annual fund charge: percentage based

1.75%

Annual fund charge (estimated total)

1.77%

Annual fund charge (estimated total)

Accidental death cover

Exclusive to Booster KiwiSaver members, we offer accidental death cover up to $50,000 for eligible members. For eligibility criteria head to more information.

accidental-death-cover-booster-finnace

Need more info?

Want to find out more about Booster’s Geared Growth Fund? Email us at kiwisaver@booster.co.nz, give us a call on 0800 336 338, or request a call back at a time that suits you.

contact-booster-finnance-easy-investment

Booster Investment Management Ltd is the manager and issuer of the Booster KiwiSaver Scheme (the ‘Scheme’). You can get the Scheme’s Product Disclosure Statements from our Documents and Forms page or your financial adviser, on request and free of charge.