If you’re not planning to retire for at least a few years, you may want to consider a fund with a higher level of risk and potential reward. This is because you have more time for the ‘ups and downs’ that can happen with higher-risk funds to even out.
If you’re close to retirement, you may want to consider a lower risk fund which is more stable, giving you more certainty about how much money you’ll have when you retire.
The table below shows the minimum recommended investment timeframes for each of the funds in the OneAnswer KiwiSaver Schemes.
Multi-asset-class funds
Minimum recommended investment timeframe
Fund |
Minimum recommended investment timeframe |
---|
Growth Fund |
7 years |
Balanced Growth Fund |
6 years |
Balanced Fund |
5 years |
Conservative Balanced Fund |
5 years |
Conservative Fund |
4 years |
Single-asset-class funds
Minimum recommended investment timeframe - Single-asset-class funds
Fund |
Minimum recommended investment timeframe |
---|
Cash Fund |
No minimum |
New Zealand Fixed Interest Fund |
5 years |
International Fixed Interest Fund |
5 years |
Australasian Property Fund |
10 years |
International Property Fund |
10 years |
Australasian Share Fund |
10 years |
International Share Fund |
10 years |
Sustainable International Share Fund |
10 years |
Compare our funds
Are you in our Lifetimes option?
Depending on your retirement timeframe, you may want to check whether the Lifetimes option is still right for you.
Learn more about our Lifetimes option