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Conservative fund type

Here's what the provider says about this fund:

An ethical portfolio with a higher exposure to income assets and a lower exposure to growth assets. This Fund

Considering switching to this fund? Read the must-knows of switching funds before you start the switching process.

Combined fees

This fund

The combined fees are how much you would have been charged for the year ended 31 March 2020 on the average KiwiSaver balance.

All the averages you see are for this same type of fund, so you’re comparing apples with apples.

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Combined fees include

Membership fees per year

This fund

Here you’ll find the total breakdown of the combined fees. These don’t include other fees such as for switching or withdrawing.

+ Total fund fees

This fund
Annual management fee
Performance-based fees
Other fees and costs

Your KiwiSaver money is invested by a professional fund manager, so there are always fees to pay. Fees can have a big impact on your nest egg, especially in the long run, so it pays to keep a close eye on how they add up.

Must-knows of KiwiSaver fees.

Combined fees example

On a conservative fund of $21,700 the annual fees would be approximately:

This fund


From the September 2020 KiwiSaver provider survey

This fund
No survey
data yet

We surveyed KiwiSaver providers on how many different ways they help their members with investment options, communicate with members, and the extra services they offer.

So this rating is more about the quantity than the quality of services. 

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Help with investment options

This fund
No survey data yet

Communications to members

No survey data yet

Other services

No survey data yet

Here ‘help’ means things like online forms, tools, calculators and information on how to optimise your KiwiSaver. 

More communication is not always better communication, but if the provider gives you options on how you like to be reached, that usually helps.

These extras include a range of additional services that are helpful.

Must-knows of KiwiSaver service


Since January 2016

This fund
No 5-year
data yet

Warning about returns!

These show how funds have performed in the past, but that’s not a good guide to how they’ll perform in the future. Don’t switch funds based on past returns.

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All returns shown are after total fund fees (not membership fees) and tax (28% PIR).

Last twelve months

This fund

The last twelve months refers to January 2020 to December 2020.

In general, it’s good to look at the longest possible time period when weighing returns. After all, with retirement savings, it’s the long game that counts.

Must-knows of KiwiSaver returns.

More fund details

Conservative fund type

Which is the right type for me?

What’s in this fund

At 31 December 2020

This shows the actual mix of investments that this fund held on 31 December 2020. This mix continually changes because of market swings and managers’ rebalancing, so these percentages are a snapshot. But it will give you a good idea of where your money is being invested.

How this fund invests your money

How this fund invests your money
Cash Bonds Property Shares Other
Assets 70.56 11.2 3.27 14.97 0

Fund information

Number of members
Total value of fund
Date fund started
23 Jul 2019

More information

More information can be found at:

Top 10 investments

These assets make up 80.14% of this fund.

Top 10 investments
Kind of investment Country Percentage of the fund Name
Cash and cash equivalents NZ 37.74 Cash At Bank - Nzd - Interactive Brokers
Cash and cash equivalents NZ 10.77 Westpac Term Deposit 10/12/2020 08/06/2021
Cash and cash equivalents NZ 6.51 Westpac Term Deposit 10/07/2020 06/01/2021
Cash and cash equivalents NZ 4.39 Asb (Pwa) - Cash At Call
Cash and cash equivalents NZ 4.35 Asb Term Deposit 23/11/2020 23/05/2021
Cash and cash equivalents NZ 4.33 Westpac Term Deposit 18/08/2020 15/02/2021
Cash and cash equivalents NZ 4.33 Bchina Term Deposit 10/08/2020 10/02/2021
International fixed interest US 4.18 Wlb Asset Ii B
New Zealand fixed interest NZ 2.55 Br Land Co Feb 22
Australasian equities NZ 0.99 Sharesies Limited

Key personnel

Key personnel
Name Current position Time in role
John Berry Ceo 11 years, 9 months
Paul Brownsey Cio 11 years, 9 months
James Caughey Portfolio Manager 3 years, 4 months
Nish Vyas Private Wealth Advisor 0 years, 11 months
Kent Fraser Chair Of Investment Committee 4 years, 3 months