FAQ - Frequently asked questions

What is Responsible Investing?

Responsible investing (RI) incorporates environmental, social and governance (ESG) factors into investment decisions to better manage risk and generate sustainable, long-term returns. You can find out more about responsible investing here

What is ESG?

ESG investing uses Environmental, Social and Governance factors when making investment decisions. It is a generic term used in capital markets and used by investors to evaluate corporate behaviour and to determine the future financial performance of companies. You can find out more about ESG here

How do you include/exclude companies?

Incorporating ESG factors into investing requires a significant amount of very specialised research. We work with Sustainalytics, a global leader in ESG and corporate governance research and ratings. Examples of ESG factors for a company include reviewing workplace accidents, environmental incidents, governance effectiveness, tax transparency and product safety. Based on the overall "score", we determine whether to include or exclude a company from our Funds.

What will my returns be?

At Pathfinder we favour a long-term approach to investing which we believe gives the highest likelihood of more stable and sustainable returns. The value of the assets held in each fund can go up or down, and returns are not guaranteed. While we publish past returns for each fund, it is important to note that these are not a guide of future performance. International research shows that investing ethically should give the same, or better, returns compared to investing in the broad market. Ethical investing should not come at a cost compared to investing which does not take account of responsible investment factors.

What are the Fees?

At Pathfinder we endeavour to keep our fees low, which helps to maximise your returns. Whilst we have the usual Management and Administration Fees, we do not "bulk up" our Fees with Performance, Establishment, Contribution, Withdrawal or Termination Fees. Full Fee Information can be found here.

Where do I get more information?

If you still have questions about Pathfinder Asset Management, or our Funds, or have any other investment questions, please don't hesitate to contact us. Our Contact details can be found here.

Do you have a Kiwisaver Fund?

Yes, we do. We have what we aspire to be NZ's most ethical KiwiSaver Scheme. We call it CareSaver. It continues our focus on ethical investing, where we not only exclude "bad" industries, but invest heavily in "good" industries. Our Management Fees are market average, and, continuing our social enterprise model, we give 20% of our fees to the charity of your choice. You can find our more here.

How do I invest?

Instructions on how to invest are found here. If you cannot download the PDS, please contact us for a hard copy to be sent to you

How do I setup payments into a Fund

For initial lump-sum, additional or regular payments, please go here. You can invest in any of our funds at any time, using the same instructions.

How much can I invest?

There is a minimum investment amount of $5,000 for the initial investment. Thereafter you can invest $1,000 for subsequent lump sums, and $100 per month for regular payments.

Can I invest in multiple Funds?

Yes, you can place your investment over multiple funds and create your own particular investment portfolio. Minimum initial investment is $5,000 total. Instructions on how to invest in any of our Funds will be sent to you once your account is setup. You can also make additional investment in other funds at any time using the same instructions, or view here.

Is there a minimum investment time frame?

You can redeem your investment at any time, however, at Pathfinder our investment objectives and strategies reflect our long-term approach to investing in global assets. Minimum suggested investment time frame is 5+ years. You must give us 3 business days notice, and we expect to pay you within 10 business days.

Are there any withdrawal costs?

The cost to redeem your investment varies between 0.05% and 0.15% and differ by Fund. There are no other withdrawal costs.

Can I start an account for a minor?

Yes you can. We do require some additional information, including the parent/guardian details and a copy of the Birth Certificate. You can apply online here.

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This information is general information only and does not take account of your individual investment objectives or financial situation.
Pathfinder Asset Management encourages all investors to seek independent financial advice prior to making investment decisions.