Ethical investing to achieve medium to high returns with a higher risk exposure.
Ethical investing to achieve medium returns with medium risk exposure.
Ethical investing to achieve modest returns with a lower risk exposure.
|Growth Fund||Balanced Fund||Conservative Fund|
|Return focus||Medium to high||Medium||Modest|
|Likely fluctuation in value||More than the Balanced or Conservative Funds||More than Conservative Fund but less than Growth Fund||Less than both the Growth Fund and Balanced Fund|
|Minimum suggested time frame||10+ years (long term)||5+ years||3+ years|
|Estimated annual fund fees||1.29% p.a.||1.14% p.a.||0.84% p.a.|
You may be interested to know that based on recent KiwiSaver Scheme data, less than one in ten people actively choose a Conservative Fund. This may be preferred for people with a shorter time horizon, or low tolerance for risk, but more than nine in ten people actively choose Growth or Balanced funds.
In addition to our management fee, an annual administration fee of $27 is also charged (except for balances below $1,000).
Our Product Disclosure Statements (PDS) contain information to help you decide whether to invest in our funds. We review and update it regularly. Our latest PDS dated 17 August 2021 for the Pathfinder KiwiSaver Plan and replacement PDS dated 22 March 2021 have been lodged with the Registrar and are available to download here or on request. Units in the Funds are issued by Pathfinder Asset Management Limited.