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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.

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.

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.

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.

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.

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.

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.

* 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.