KiwiSaver

Our funds

Enhanced Cash Fund

1.2%

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

No

Minimum timeframe

The fund’s objective is to provide a highly liquid ‘on-call’ deposit account. It aims to achieve a rate of return that is comparable or above similar ‘on-call’ bank deposit accounts. The fund invests entirely in income assets.

Fund asset allocation

Asset
mix

0%	Growth Assets
100%	Income Assets

Risk Level

Fund performance

1.20%

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

No minimum

Suggested timeframe

0.82%

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.

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Capital Guaranteed Fund

2.5%

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

2yr+

Suggested timeframe

A very low-risk fund offering short-term savers stable but low returns due to the annual capital guarantee. As it typically only holds a small amount in ‘growth’ assets, it gives only a very modest degree of capital gains.

Fund asset allocation

Asset
mix

10%	Growth Assets
90%	Income Assets

Risk Level

Fund performance

2.50%

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

2yr+

Suggested timeframe

0.91%

Annual fund charge (estimated total)

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Default Saver Fund

3.3%

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

3yr+

Suggested timeframe

A low-risk fund that holds only a small amount in ‘growth’ assets. It aims to give short-term savers relatively consistent, but modest returns.

Fund asset allocation

Asset
mix

20%	Growth Assets
80%	Income Assets

Risk Level

Fund performance

3.30%

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

3yr+

Suggested timeframe

0.38%

Annual fund charge (estimated total)

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Moderate Fund

4%

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

4yr+

Suggested timeframe

A moderate-risk and actively-managed fund aiming to give medium-term savers relatively consistent returns, with some capital gains over the medium term.

Fund asset allocation

Asset
mix

40%	Growth Assets
60%	Income Assets

Risk Level

Fund performance

4%

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

4yr+

Suggested timeframe

1.11%

Annual fund charge (estimated total)

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Socially Responsible Investment Moderate Fund

4%

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

4yr+

Suggested timeframe

Provides a relatively consistent investment performance, with the opportunity to enhance the overall return through a modest degree of capital gains over the long-term, while excluding investments which do not satisfy certain socially responsible investment criteria.

Fund asset allocation

Asset
mix

35%	Growth Assets
65%	Income Assets

Risk Level

Fund performance

4%

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

4yr+

Suggested timeframe

1.12%

Annual fund charge (estimated total)

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Balanced Fund

5%

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

5yr+

Suggested timeframe

This actively-managed fund aims to provide long-term savers mainly with the opportunity of capital growth, but with some short-term return volatility offset with some ‘income’ assets.

Fund asset allocation

Asset
mix

60%	Growth Assets
40%	Income Assets

Risk Level

Fund performance

5%

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

5yr+

Suggested timeframe

1.24%

Annual fund charge (estimated total)

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Socially Responsible Investment Balanced Fund

5%

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

5yr+

Suggested timeframe

An actively managed fund that excludes investments that do not meet certain values-based standards. Examples are alcohol, gambling and fossil fuels. Its balanced mix of income and growth assets have a typical return and risk profile over the medium to long term.

Fund asset allocation

Asset
mix

55%	Growth Assets
45%	Income Assets

Risk Level

Fund performance

5%

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

5yr+

Suggested timeframe

1.26%

Annual fund charge (estimated total)

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Balanced Growth Fund

6.1%

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

7yr+

Suggested timeframe

This fund aims to provide savers mainly with the chance of long-term capital growth, but to partially offset some short-term return volatility with income assets.

Fund asset allocation

Asset
mix

80%	Growth Assets
20%	Income Assets

Risk Level

Fund performance

6.10%

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

7yr+

Suggested timeframe

1.30%

Annual fund charge (estimated total)

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Shielded Growth Fund

6.1%

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

7yr+

Suggested timeframe

This fund aims to provide savers with the opportunity to achieve long-term capital gains by investing predominantly in growth assets, while partially shielding the fund against some of the short-term downside risks.

Fund asset allocation

Asset
mix

99%	Growth Assets
1%	Income Assets

Risk Level

Fund performance

6.10%

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

7yr+

Suggested timeframe

1.36%

Annual fund charge (estimated total)

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High Growth Fund

7%

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

10yr+

Suggested timeframe

This fund aims to provide savers with a portfolio of growth-oriented assets to maximise the potential for capital gains over the long term.

Fund asset allocation

Asset
mix

99%	Growth Assets
1%	Income Assets

Risk Level

Fund performance

7%

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

10yr+

Suggested timeframe

1.36%

Annual fund charge (estimated total)

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Socially Responsible Investment High Growth Fund

7%

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

10yr+

Suggested timeframe

This fund aims to provide savers with the opportunity to achieve long-term capital growth through diversified investments that avoid companies whose activities are considered to have negative social impacts.

Fund asset allocation

Asset
mix

98%	Growth Assets
2%	Income Assets

Risk Level

Fund performance

7%

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

10yr+

Suggested timeframe

1.32%

Annual fund charge (estimated total)

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Geared Growth Fund

8.1%

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

15yr+

Suggested timeframe

This fund aims to provide savers with a portfolio of growth-oriented assets to maximise the potential for capital gains over the long term.

Fund asset allocation

Asset
mix

99%	Growth Assets
1%	Income Assets

Risk Level

Fund performance

8.10%

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

15yr+

Suggested timeframe

1.75%

Annual fund charge (estimated total)

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Fund type	Annual return
Conservative	2.5%
Balanced	3.5%
Growth	4.5%
High Growth	5.5%

Booster KiwiSaver Scheme

The Booster KiwiSaver Scheme makes saving for your first home or retirement easy.

We offer great member benefits, access to financial advice and tools to raise your money know-how.

What could your retirement look like? Find out using our KiwiSaver calculator.

Our funds

Enhanced Cash Fund

1.2%

No

Fund asset allocation

Assetmix

Risk Level

Fund performance

1.20%

No minimum

0.82%

Capital Guaranteed Fund

2.5%

2yr+

Fund asset allocation

Assetmix

Risk Level

Fund performance

2.50%

2yr+

0.91%

Default Saver Fund

3.3%

3yr+

Fund asset allocation

Assetmix

Risk Level

Fund performance

3.30%

3yr+

0.38%

Moderate Fund

4%

4yr+

Fund asset allocation

Assetmix

Risk Level

Fund performance

4%

4yr+

1.11%

Socially Responsible Investment Moderate Fund

4%

4yr+

Fund asset allocation

Assetmix

Risk Level

Fund performance

4%

4yr+

1.12%

Balanced Fund

5%

5yr+

Fund asset allocation

Assetmix

Risk Level

Fund performance

5%

5yr+

1.24%

Socially Responsible Investment Balanced Fund

5%

5yr+

Fund asset allocation

Assetmix

Risk Level

Fund performance

5%

5yr+

1.26%

Balanced Growth Fund

6.1%

7yr+

Fund asset allocation

Assetmix

Asset
mix

Asset
mix

Asset
mix

Asset
mix

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Asset
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Asset
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We estimate you'll have a retirement savings lump sum at age 65 of around $_. This gives you an estimated retirement income each week, to the age of 90, of $_.