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Investment options - Investments & advice

Investment options

For more information on ANZ KiwiSaver Scheme investing options, choose from the funds below:

Cash Fund

This fund currently invests in an interest-bearing account at ANZ National Bank Limited.

Investment risk profile

It is suited to investors who intend to invest for a short period (e.g. to save towards a deposit for a first home) and/or wish to earn a rate of return and incur no capital loss at any time during the period they are invested.

Distribution of fund investments
Investment type Percentage invested
Shares 0%
Listed property 0%
Fixed interest 0%
Cash 100%

Conservative Fund

This fund invests principally in cash and fixed-interest investments, with a limited exposure to growth assets such as shares and property, as well as other assets.

Investment risk profile

It is suited to investors who place a strong emphasis on the security of their savings over time and who wish to have a high degree of stability in their investment return.

Distribution of fund investments
Investment type Percentage invested
Shares 17%
Listed property 3%
Fixed interest 60%
Cash 20%

The underlying asset allocations will vary from the benchmarks and the benchmarks may change from time to time.

Conservative Balanced Fund

This fund invests principally in cash and fixed interest, with a moderate exposure to growth assets, such as shares and property, as well as other assets.

Investment risk profile

It is suited to investors who place an emphasis on the security of their savings over time, but who also want a small degree of capital growth.

Distribution of fund investments
Investment type Percentage invested
Shares 29%
Listed property 6%
Fixed interest 50%
Cash 15%

The underlying asset allocations will vary from the benchmarks and the benchmarks may change from time to time.

Balanced Fund

This fund invests in a blend of shares, listed property, fixed interest and cash as well as other assets.

Investment risk profile

It is suited to investors who want a moderate degree of capital growth while at the same time being prepared to accept a moderate degree of variability in their investment return.

Distribution of fund investments
Investment type Percentage invested
Shares 42%
Listed property 8%
Fixed interest 40%
Cash 10%

The underlying asset allocations will vary from the benchmarks and the benchmarks may change from time to time.

Balanced Growth Fund

This fund invests principally in growth assets such as shares and listed property with a moderate exposure to cash and fixed interest, as well as other assets.

Investment risk profile

It is suited to investors who want a high degree of capital growth while at the same time being prepared to accept a higher degree of variability in their investment return.

Distribution of fund investments
Investment type Percentage invested
Shares 55%
Listed property 10%
Fixed interest 29%
Cash 6%

The underlying asset allocations will vary from the benchmarks and the benchmarks may change from time to time.

Growth Fund

This fund invests principally in growth assets such as shares and listed property, with a limited exposure to cash and fixed interest, as well as other assets.

Investment risk profile

It is suited to investors who want to maximise capital growth in their savings and who are comfortable with a high degree of variability in the value of their investment.

Distribution of fund investments
Investment type Percentage invested
Shares 68%
Listed property 12%
Fixed interest 16%
Cash 4%

The underlying asset allocations will vary from the benchmarks and the benchmarks may change from time to time.

Lifetimes option

The ANZ KiwiSaver Scheme's Lifetimes option helps take the guesswork out of choosing the right investment fund.

Generally speaking, the younger you are, the more investment risk you can afford to take in exchange for higher expected average returns. This is the result of having a relatively long investment timeframe, which tends to balance out fluctuations in investment returns. As you get closer to retirement, however, it often pays to take a more conservative approach.

How it works

In the Lifetimes option, your contributions will be invested into the fund that matches your Lifetimes current group. Then, as you get older, you'll be automatically moved to lower-risk funds. For example, within a month of your 46th birthday, your investment will be switched from the balanced growth fund to the balanced fund.

Investment funds for specific age groups
Age group Allocated fund
0 - 35 Growth Fund
36 - 45 Balanced Growth Fund
46 - 55 Balanced Fund
56 - 60 Conservative Balanced Fund
61 - 64 Conservative Fund
65+ Cash Fund

* From time to time the age ranges applying to the various investment funds included in the Lifetimes option may change, and investment funds relating to certain age bands may be added or deleted. The Lifetimes option has been designed on a general basis, it does not constitute financial advice and does not take into account your individual circumstances or needs. We recommend you seek independent professional financial advice if you are unsure.

How to apply

For more information or to apply for the ANZ KiwiSaver Scheme contact an ANZ Customer Service Consultant:

Telephone icon
Call 0800 500 648

Apart from the Cash Fund, derivatives may be used for investment purposes.

Note: The term "invests" where used above to describe a fund's investments, means investment could be direct or indirect via another investment vehicle.

The information contained in this material is of a general nature only, does not constitute financial advice, and does not take into account your individual circumstances. Before making decisions about your investments, you should consider your individual circumstances and seek assistance from other resources, for example, financial planning services and websites such as sorted.org.nz, morningstar.net.nz and fundsource.co.nz.

Guardian Trust Superannuation Trustees Limited is the Issuer of the ANZ KiwiSaver Scheme. ING (NZ) Limited is the Administration and Investment Manager and ANZ, part of ANZ National Bank Limited is the Distributor. Units in the ANZ KiwiSaver Scheme do not represent deposits or other liabilities of ANZ National Bank Limited. Units are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No member of the ANZ National Bank Limited Group, Guardian Trust Superannuation Trustees Limited, its parent and their respective directors or any other person guarantees ING (NZ) Limited and its subsidiaries or the capital value or performance of the ANZ KiwiSaver Scheme or any products issued or managed by it.

This information is current as at 1 June 2009.

Access the current ANZ KiwiSaver Scheme Investment Statement (PDF 944kB) or request a copy at any ANZ branch. A copy of the Bank's General Disclosure Statement and the Bank's Disclosure Statement prepared under the Securities Markets Act 1988, is available on request from any ANZ branch, free of charge. Terms defined and references construed in this webpage have the same meaning and construction set out in the current Investment Statement.

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