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Investment options
With the ANZ KiwiSaver Scheme you have one single sector fund and five multi-sector funds (the “Fund/s”) to choose from (see fund descriptions below). Each multi-sector fund invests in a different mix of assets to offer varying levels of potential ‘risk’ and ‘return’. You can also take our ANZ KiwiSaver Scheme Risk Profile Questionnaire to find out which Fund may suit you best.
A description of each Fund and its benchmark allocation to each asset class is set out below, as well as the aggregate permissible ranges. The benchmark is each Fund’s long-term target allocation to each asset class. Excluding the Cash Fund, the actual asset allocations will vary from the benchmarks due to market movements, or the Manager varying the allocations away from each benchmark at times, with the aim of managing risk, increasing potential returns or managing cashflow requirements.
We recommend you seek advice from a financial adviser in order to select the fund or funds best suited to your investment objectives, risk profile and investment timeframe.
Cash Fund
This Fund invests in interest-bearing bank deposits with one or more New Zealand registered banks.
Conservative Fund
Conservative Balanced Fund
Changes from each benchmark allocation may potentially be significant in certain market conditions but are restricted by the ranges shown. The benchmarks and the ranges may vary from time to time as agreed between the Trustee and the Manager.
*View the benchmarks and current specific individual asset class ranges (PDF 124kB).
View details of each of the actual asset class allocations of each of the funds.
Balanced Fund
Changes from each benchmark allocation may potentially be significant in certain market conditions but are restricted by the ranges shown. The benchmarks and the ranges may vary from time to time as agreed between the Trustee and the Manager.
*View the benchmarks and current specific individual asset class ranges (PDF 124kB).
View details of each of the actual asset class allocations of each of the funds.
Balanced Growth Fund
Growth Fund
Changes from each benchmark allocation may potentially be significant in certain market conditions but are restricted by the ranges shown. The benchmarks and the ranges may vary from time to time as agreed between the Trustee and the Manager.
*View the benchmarks and current specific individual asset class ranges (PDF 124kB).
View details of each of the actual asset class allocations of each of the funds.
Lifetimes option
The ANZ KiwiSaver Scheme's Lifetimes option helps take the guesswork out of choosing the right investment fund.
The basis of the Lifetimes option is that younger investors are able to tolerate higher levels of risk 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 over a period of time.
On the other hand, investors who are closer to retirement are likely to have a lower risk tolerance as there is less time to recoup any investment losses that may occur. This is the result of having a relatively short investment timeframe. A general principle of investing is that the longer your investment timeframe, the more risk you may be willing to accept.
How it works
In the Lifetimes option, your contributions will be invested into the fund that matches your current Lifetimes age group. By selecting the Lifetimes option, you will automatically transition through the various funds when you reach the pre-determined age milestones. For example, within a month of your 46th birthday, your investment will be switched from the Balanced Growth Fund to the Balanced Fund. You can opt in or out of the Lifetimes option at any time by completing a Switch Request Form (PDF 184kB).
| 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. If such changes are made, we will communicate these to members who have selected the Lifetimes option.
The Lifetimes option has been designed on a general basis; and does not assess information about your personal financial situation. Therefore if you require personalised financial advice, or if you require help at any time, please call Wealth Direct on 0800 269 238. All investments in the funds involve risk which may result in the loss of money invested.
How to apply
For more information or to apply for the ANZ KiwiSaver Scheme contact an ANZ Customer Service Consultant:
Certain aspects of the ANZ KiwiSaver Scheme and all other KiwiSaver Schemes, such as minimum contribution levels, the Government incentives and the circumstances in which benefits may be withdrawn, are prescribed in KiwiSaver legislation. The legislation may be amended from time to time by the Government and any such amendment may impact on the scheme.
Guardian Trust Superannuation Trustees Limited (“GTSTL”) is the Trustee and currently the Issuer, OnePath (NZ) Limited (“OnePath”) is the Scheme Provider, Promoter and Administration and Investment Manager and ANZ National Bank Limited (“ANZ”) is the Distributor of the ANZ KiwiSaver Scheme (the “Scheme”). Units or interests in the Scheme do not represent deposits or liabilities of ANZ. Units and interests are subject to investment risk, including possible delays in repayment and loss of income and principal invested. No entity* guarantees (either partially or fully) the capital value or performance of any products issued or managed by OnePath, including the Scheme.
*Please note, this includes OnePath, ANZ, Australia and New Zealand Banking Group Limited (“ANZ Group”), GTSTL, their respective directors, any member of their respective groups of companies and any other person.
This information is current as at 23 September 2011.
This is for information purposes only. Its content is intended to be of a general nature, does not take into account your financial situation or goals, and is not a personalised financial adviser service under the Financial Advisers Act 2008. It is recommended you seek advice from a financial adviser which takes into account your individual circumstances before you acquire a financial product. If you wish to consult one of ANZ’s financial advisers, please contact Wealth Direct on 0800 269 238.
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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