mysuper Balanced Fund

Our Balanced Fund is a well-diversified investment fund that has a balance of risk through holding approximately 55% growth assets (like equities) and 45% lower risk income assets (like fixed interest and cash). The objective of our Balanced Fund is to achieve higher positive real investment returns (in excess of inflation) over the medium term (around ten years), accepting that over the short term (between one to three years), investment returns could be negative.

How does our Balanced Fund meet your needs?

A simple way of accessing NZ and international equities

Our Balanced Fund invests in equities across NZ and the world’s share markets using a multi-manager approach. This provides you with a simple and easy way of accessing a wide range of equity investments.

Reduced risk through diversification

Our Balanced Fund takes a global approach to better position the fund to capture global market themes. Our Balanced Fund also provides diversification by region, manager and style, with the aim of delivering you with more stable returns.

Access to some of the world’s best investment managers

Our Balanced Fund uses a combination of passive and active management to invest your retirement savings. You benefit from exposure to a range of high quality investment managers.

It gives you the choice to invest responsibly

Responsible investing is a way for you to direct your money toward companies that are making a positive impact on the environment and on society and away from those that cause harm.

Performance

9.95%
7.28%
Kiwisaver average
1.01%
1 Month
3.65%
3 Months
9.95%
1 Year
8.53%
3 Years
10.58%
5 Years

The mysuper Balanced Fund was established on 27 August 1991. mysuper investment returns are for the 12-month period to 31 July 2018 after taxes (but before fees).  Average KiwiSaver data can be sourced from the Disclose Register available free from companiesoffice.govt.nz/disclose

Risk indicator: 
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Managed funds in New Zealand must have a standard risk indicator. The risk indicator is designed to help investors understand the uncertainties both for loss and growth that may affect their investment. You can compare Funds using the risk indicator.

The risk indicator is rated from 1 (low) to 7 (high). The 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.

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To help you clarify your own attitude to risk, you can seek financial advice or work out your risk profile at sorted.org.nz/calculators/investment-planner Note that even the lowest category does not mean a risk-free investment, and there are other risks (described below under the heading ‘Other specific risks’) that are not captured by this rating.

This risk indicator is not a guarantee of a Fund’s future performance. While risk indicators are usually relatively stable, they do shift from time to time.

How this fund invests your money

Cash & cash equivalents
5%
NZ fixed interest
13%
International fixed interest
27%
NZ equities
14%
International equities
41%

What are the fees?

The fees you pay, or Annual Fund Charge as it’s called in the ‘super’ world, is charged as a percentage and is calculated by the mysuper Fund you select and the amount you have in your mysuper account. The fees below would be applied to your account balance if you select this Fund. You can find out more about the fees associated with mysuper here .

Fees

0.81%
mysuper fees
1.28%
Average KiwiSaver fees

Download fund updates

Read more about this Fund's performance and fees in our quarterly updates.
Calculating your retirement income

Did you know you can take a look at how your retirement savings are shaping up by using the retirement income simulator within your mysuper account? Based on your current age, account balance, salary and fund selection it gives you an indication of what type of income you could look forward to.

Simply log into your mysuper account and you’ll find it under your member statements on the ‘Your super amount’ page.

* Average KiwiSaver data was sourced on 31 May 2018, from sorted.org.nz and companiesoffice.govt.nz/disclose