High Growth Fund
Suitable for you if: You’re planning to buy a house or retire in 10 plus years and are comfortable with your balance going up and down a lot if it means you might get much better returns.
Expected long term annual return (after fees, before tax)*
Suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing predominantly in growth assets, with little or no allocation to income assets.
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
1.34%
Annual fund charge (estimated total)
Socially Responsible High Growth Fund
Suitable for you if: You’re planning to buy a house or retire in 10 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.
Expected long term annual return (after fees, before tax)*
Suggested investment timeframe
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 application of our Responsible Investment Policy.
| Fund asset allocation | Risk indicator |
|---|---|
99%Growth Assets 1%Income Assets |
5
|
Where would my money be invested in?
NZ: Shares, Fixed Interest, Term Deposits, Listed Property
Global: Shares, Fixed Interest, 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
1.24%
Annual fund charge (estimated total)
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.
Expected long term annual return (after fees, before tax)*
Suggested investment timeframe
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.
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
1.74%
Annual fund charge (estimated total)
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.
Expected long term annual return (after fees, before tax)*
Suggested investment timeframe
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 |
5
|
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
1.64%
Annual fund charge (estimated total)
Growth Fund
Suitable for you if: You’re planning to buy a house or retire in 7 plus years and are comfortable with your balance going up and down a lot if it means you might get much better returns.
Expected long term annual return (after fees, before tax)*
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing primarily in growth assets, with a moderate allocation of income assets.
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
1.28%
Annual fund charge (estimated total)
Shielded Growth Fund
Suitable for you if: You’re planning to buy a house or retire in over 7 years and are comfortable with your balance going up and down from time to time if you might get better returns – but want a bit more of a safety net.
Expected long term annual return (after fees, before tax)*
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing predominantly in growth assets, with little or no allocation to income assets, The strategy will typically involve, but is not limited to, holding put options which provide protection on around 30% of fund losses above a 10% fall in global share markets. The level of protection will typically vary between 20% and 50% of the fund, depending on the Manager’s view of a range of factors such as cost, market volatility and risk.
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
1.35%
Annual fund charge (estimated total)
Socially Responsible Growth Fund
Suitable for you if: You’re planning to buy a house or retire in 7 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.
Expected long term annual return (after fees, before tax)*
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing primarily in growth assets, with a moderate allocation of income assets, and the application of our Responsible Investment Policy.
| Fund asset allocation | Risk indicator |
|---|---|
80%Growth Assets 20%Income Assets |
5
|
Where would my money be invested in?
NZ: Shares, Fixed Interest, Term Deposits, Listed Property
Global: Shares, Fixed Interest, 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
1.23%
Annual fund charge (estimated total)
Moderate Fund
Suitable for you if: You’re planning to buy a house or retire in 3 plus years and are comfortable with your balance going slightly up and down from time to time if you get better returns.
Expected long term annual return (after fees, before tax)
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing mainly in income assets, while including a moderate allocation of growth assets.
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
1.11%
Annual fund charge (estimated total)
Socially Responsible Moderate Fund
Suitable for you if: You’re planning to buy a house or retire in 3 plus years and are comfortable with your balance going slightly up and down from time to time if you get better returns. You want a fund that reflects your personal values.
Expected long term annual return (after fees, before tax)
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing mainly in income assets, while including a moderate allocation of growth assets, and the application of our Responsible Investment Policy.
| Fund asset allocation | Risk indicator |
|---|---|
40%Growth Assets 60%Income Assets |
4
|
Where would my money be invested in?
NZ: Shares, Fixed Interest, Term Deposits, Property
Global: Shares, Fixed Interest, Term Deposits, 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
1.10%
Annual fund charge (estimated total)
Default Saver Fund
Suitable for you if: You’re planning to buy a house or retire in 5 plus years and are comfortable with your balance going slightly up and down from time to time if you get better returns.
Expected long term annual return (after fees, before tax)
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing in a mix of income and growth assets, utilising a predominantly passive investment approach.
| Fund asset allocation | Risk indicator |
|---|---|
55%Growth Assets 45%Income Assets |
4
|
Where would my money be invested in?
NZ: Fixed Interest, Term Deposits, Listed Property
Global: Shares, Fixed Interest, 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
0.35%
Annual fund charge (estimated total)
Balanced Fund
Suitable for you if: You’re planning to buy a house or retire in 5 plus years and are comfortable with your balance going slightly up and down from time to time if you get better returns.
Expected long term annual return (after fees, before tax)
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing in a mix of income and growth assets.
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
1.22%
Annual fund charge (estimated total)
Socially Responsible Balanced Fund
Suitable for you if: You’re planning to buy a house or retire in 5 plus years and are comfortable with your balance going slightly up and down from time to time if you get better returns. You want a fund that reflects your personal values.
Expected long term annual return (after fees, before tax)
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing in a mix of income and growth assets, and the application of our Responsible Investment Policy.
| Fund asset allocation | Risk indicator |
|---|---|
60%Growth Assets 40%Income Assets |
4
|
Where would my money be invested in?
NZ: Shares, Fixed Interest, Cash, Term Deposits, Listed Property
Global: Shares, Fixed Interest, 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
1.22%
Annual fund charge (estimated total)
Capital Guaranteed Fund
Suitable for you if: You’re planning to buy a house or retire in 2 years or more and would be unhappy with any drop in value.
Expected long term annual return (after fees, before tax)*
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing primarily in income assets, while including some growth assets.
| Fund asset allocation | Risk indicator |
|---|---|
10%Growth Assets 90%Income Assets |
2
|
Where would my money be invested in?
NZ: Term Deposits, Bonds
Global: Shares
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
0.91%
Annual fund charge (estimated total)
Enhanced Cash Fund
Suitable for you if: You’re planning to buy a house or retire within a year and would be unhappy with any drop in value.
Expected long term annual return (after fees, before tax)*
Minimum suggested investment timeframe
Strategy, allocation and risk level
We aim to achieve this by investing entirely in income assets.
| Fund asset allocation | Risk indicator |
|---|---|
0%Growth Assets 100%Income Assets |
2
|
Where would my money be invested in?
NZ: Term Deposits, Bonds
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
0.75%
Annual fund charge (estimated total)
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