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Balanced Fund

Pathfinder's KiwiSaver Balanced Fund (formerly the CareSaver Balanced Fund) aims for steady returns. 

Join the Balanced Fund

Why Balanced? 

Pathfinder's Balanced Fund aims for steady returns. The investment style is what the name suggests – a balanced approach.  The Fund may suit if you have a medium or longer timeframe to invest, like 5+ years, or are not that comfortable with seeing dramatic ups and downs in your balance.

Performance

Ethical investing to achieve medium returns with medium risk exposure. 

Past performance is no guarantee of future return. We encourage all investors to seek independent financial advice prior to making investment decisions.

Returns 

2.0%

1 month

9.7%

6 months 

21.0%

1 year

11.4%

p.a. since inception*

Performance figures as of 31 March 2021, and are after fees before tax. Past performance is no guarantee of future returns. We encourage all investors to seek independent financial advice prior to making investment decisions.  *31/7/19 (date of inception)

Risk Level

This Fund is suited to an investor with a mid to high tolerance to risk and a minimum investment timeframe of 5+ years. 

The risk rating reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way. This risk indicator is not a guarantee of a fund’s future performance.  The Fund does not have a five-year history. The risk indicators were prepared using the relevant market index returns from April 2016 to July 2019 (when the Funds was not in exsistence) and its returns since then. As a result the risk indicators may provide a less reliable indicator of the potential future volatility of the Funds. 

Investor notes

Ethical Approach

The Pathfinder KiwiSaver Balanced Fund has been designated a Certified Responsible Investment by the RIAA (Responsible Investment Association Australasia).

Diversification

A diversified selection of global companies that score highly on environmental, social and governance ratings. 

Target Investment

A balance of growth and income assets 

Number of Holdings

200

Asset Class

Cash (and Cash Equivalents),  NZ Fixed Income, International Fixed Income, Australasian Equities, International Equities, Listed Property, Other Assets

Investment Horizon

5+ years

Benchmark

10% Bloomberg NZBank Bill Index

30% Bloomberg Barclays Global Aggregate Total Return Index

60% Morningstar Developed Markets Net Return Index (50% hedged to NZD)

Current Hedging Target

50% of non-NZD equity exposures

100% of non-NZD fixed income exposures

Join the Balanced FundSee all our Kiwisaver Funds

Compare Our Funds

What fund type is best for you? It’s a personal decision to identify the fund that is correct for you – Growth, Balanced or Conservative.

Growth Fund Balanced Fund Conservative Fund
Return focus Medium to high Medium Modest
Risk focus Higher Medium Lower
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.

In addition to our management fee, an annual administration fee of $27 is also charged (except for balances below $1,000). There is no administration fee charged on accounts for minors. 

Join the Balanced FundSee all KiwiSaver Funds

Investor Documents

View & download these investor document packs

jake hills mI02K LxlfU unsplash CBF 31 Dec 2020
daniel j schwarz L50EwWmAY2w unsplash 1.copy PDS Pathfinder KiwiSaver Plan 2021
daniel chicchon b5OzPlT1K0M unsplash Pathfinder OMI KiwiSaver Plan 2021
martine jacobsen xpsgubqxs E unsplash Pathfinder KiwiSaver Plan SIPO 2021 Apr

Historical fund updates

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