Our Portfolios
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Our portfolios have been developed using a proven portfolio allocation theory. We reviewed a number of global investment and domestic KiwiSaver scheme models, then our investment committee developed a best in class portfolio model for our investors. Our personalised portfolios are all designed to deliver the appropriate risk and reward for each investor’s goals and risk appetite.
We build your growth portfolio by combining the four kōura equity funds. We invest your equity funds according to the MSCI world index with a NZ allocation added in. MSCI is the worlds largest index provider, we are following in the footsteps of some of the worlds largest funds by choosing this model.
There are two main types of investment assets: growth assets and income assets. Growth assets are those you invest in for capital growth (shares, equity investments, property). They typically deliver higher returns, but have have more ups and downs. Income assets are those you invest in for ongoing income (bonds, term deposits, cash). These assets have lower returns and lower volatility (less risk). We mix growth and income assets together to give you a risk profile that’s spot on for you and your circumstances. As your situation changes, the investment mix will change too.
You’ll probably retire at 65, but we assume you’ll keep using your retirement money until you’re at least 85. This is why we set your target date long after you’re eligible to access your investment gains. We also have different portfolio mixes depending both on your risk appetite and how important KiwiSaver is for your retirement.
You set the date for when you want to purchase your house. As you get closer to buying time, watch the risk decrease as your funds increase.
For our home buyers we add some cash in the final few years. This is to protect your balance leading up to you needing that house deposit.
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