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It invests in an actively managed portfolio of growth assets predominantly made up of mid to large cap international equities with a very minor allocation of income assets. Volatility is likely to be high. 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It invests in an actively managed portfolio made up largely of growth assets with a small allocation to income assets. Volatility is likely to be medium to high. 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It is suitable for investors who are prepared to accept a higher level of investment risk to potentially achieve a higher return.","invests":"international equities 69%, australasian equities 30%","annual":{"2016":-0.6,"2017":14.7,"2018":6.7,"2019":7.8,"2020":-1.2,"2021":35.3,"2022":4.5,"2023":-3.5,"2024":15.7,"2025":5.1},"holdings":[{"name":"Fisher & Paykel Healthcare Ltd","pct":4.8},{"name":"Infratil Ltd","pct":3.5},{"name":"Apple Inc","pct":3},{"name":"Nvidia Corp","pct":2.8},{"name":"Alphabet Inc Class A","pct":2.3},{"name":"Auckland International Airport Ltd","pct":2.3},{"name":"Microsoft Corp","pct":2.2},{"name":"Meridian Energy Limited","pct":1.9},{"name":"Mainfreight Ltd","pct":1.8},{"name":"A2 Milk Company Ltd","pct":1.7}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Growth Fund","tag":"Active Balanced","letter":"M","color":"#006650","provider":"MAS","r1":12.2,"r3":4.9,"r5":7.4,"fee":0.98,"inception":"2007","benchmark":"The market index return is the benchmark asset allocation weighted benchmark index return, where ...","topHoldings":["Hunter Global Fixed Interest Fund 11.33%","Fisher & Paykel Healthcare Ltd 3.95%","Infratil Ltd 2.85%"],"desc":"The Growth Fund invests mainly in growth assets with a modest allocation to income assets. The Fund aims to provide strong returns over the long term. It is suitable for investors who are prepared to accept a high level of investment risk to potentially achieve a high return.","invests":"international equities 56%, australasian equities 24%, international fixed interest 11%, new zealand fixed interest 7%","annual":{"2016":1.1,"2017":10.6,"2018":5.7,"2019":6.5,"2020":-0.3,"2021":26.9,"2022":3,"2023":-3.4,"2024":13.2,"2025":4.8},"holdings":[{"name":"Hunter Global Fixed Interest Fund","pct":11.3},{"name":"Fisher & Paykel Healthcare Ltd","pct":4},{"name":"Infratil Ltd","pct":2.9},{"name":"Apple Inc","pct":2.4},{"name":"Nvidia Corp","pct":2.2},{"name":"Auckland International Airport Ltd","pct":1.9},{"name":"Alphabet Inc Class A","pct":1.9},{"name":"Microsoft Corp","pct":1.8},{"name":"Jbwere Premium Custody Call Account - Nzd","pct":1.6},{"name":"Meridian Energy Limited","pct":1.5}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Moderate Fund","tag":"Active Balanced","letter":"M","color":"#006650","provider":"MAS","r1":8.4,"r3":3.3,"r5":4.1,"fee":0.95,"inception":"2007","benchmark":"The market index return is the benchmark asset allocation weighted benchmark index return, where ...","topHoldings":["Hunter Global Fixed Interest Fund 33.53%","Jbwere Premium Custody Call Account - Nzd 3.52%","Fisher & Paykel Healthcare Ltd 2.05%"],"desc":"The Moderate Fund invests mainly in income assets with a moderate allocation to growth assets. The Fund aims to provide moderate returns over the short to medium term. It is suitable for investors who are prepared to accept some investment risk to potentially achieve a moderate return.","invests":"international fixed interest 34%, international equities 28%, new zealand fixed interest 21%, australasian equities 13%","annual":{"2016":1.2,"2017":6.4,"2018":4.2,"2019":4.2,"2020":0.7,"2021":14.5,"2022":0,"2023":-2.9,"2024":8.5,"2025":4.3},"holdings":[{"name":"Hunter Global Fixed Interest Fund","pct":33.5},{"name":"Jbwere Premium Custody Call Account - Nzd","pct":3.5},{"name":"Fisher & Paykel Healthcare Ltd","pct":2},{"name":"Infratil Ltd","pct":1.5},{"name":"New Zealand Government 2.75% 15/04/2037","pct":1.2},{"name":"Apple Inc","pct":1.2},{"name":"New Zealand Government 1.5% 15/05/2031","pct":1.2},{"name":"New Zealand Government 4.25% 15/05/2034","pct":1.1},{"name":"New Zealand Government 1.75% 15/05/2041","pct":1.1},{"name":"Nvidia Corp","pct":1.1}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Pathfinder Kiwisaver Balanced Fund","tag":"Active Balanced","letter":"P","color":"#1a5e1a","provider":"Pathfinder","r1":6.4,"r3":4.2,"r5":6.2,"fee":1.16,"inception":"2019","benchmark":"Morningstar® Target Allocation IndexTM: Balanced Multisector for New Zealand (gross of dividends ...","topHoldings":["Cash At Bank - Nzd - Anz 5.21%","Cash At Bank - Nzd - Westpac 4.71%","Microsoft Corporation 1.82%"],"desc":"An ethical portfolio with a balance between growth assets and income assets. This Fund’s value is likely to fluctuate more than the Conservative Fund but less than the Growth Fund.","invests":"international equities 33%, international fixed interest 21%, new zealand fixed interest 16%, australasian equities 12%","annual":{"2021":21.6,"2022":5,"2023":-1.9,"2024":11.8,"2025":2.8},"holdings":[{"name":"Cash At Bank - Nzd - Anz","pct":5.2},{"name":"Cash At Bank - Nzd - Westpac","pct":4.7},{"name":"Microsoft Corporation","pct":1.8},{"name":"Nvidia Corp","pct":1.4},{"name":"New Zealand Government Bond 15/05/2054","pct":1.4},{"name":"Fisher & Paykel Healthcare Ltd","pct":1.3},{"name":"Apple Inc","pct":1.2},{"name":"New Zealand Local Government Funding Agency 15/04/2037","pct":1.2},{"name":"Alphabet Inc Class A","pct":1.1},{"name":"New Zealand Local Government Funding Agency 14/05/2032","pct":1}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Pathfinder Kiwisaver Conservative Fund","tag":"Active Balanced","letter":"P","color":"#1a5e1a","provider":"Pathfinder","r1":4.2,"r3":3,"r5":3.7,"fee":0.92,"inception":"2019","benchmark":"Morningstar® Target Allocation IndexTM: Conservative Multisector for New Zealand (gross of divide...","topHoldings":["Cash At Bank - Nzd - Anz 14.07%","Cash At Bank - Nzd - Westpac 4.81%","New Zealand Government Bond 15/05/2054 2.51%"],"desc":"An ethical portfolio with a higher exposure to income assets and a lower exposure to growth assets. This Fund’s value is unlikely to fluctuate as much as the Balanced Fund or Growth Fund.","invests":"international fixed interest 41%, new zealand fixed interest 29%, cash and cash equivalents 17%, international equities 7%","annual":{"2021":6.8,"2022":1.9,"2023":-0.1,"2024":6,"2025":3.2},"holdings":[{"name":"Cash At Bank - Nzd - Anz","pct":14.1},{"name":"Cash At Bank - Nzd - Westpac","pct":4.8},{"name":"New Zealand Government Bond 15/05/2054","pct":2.5},{"name":"New Zealand Local Government Funding Agency Bond 15/04/2037","pct":2.1},{"name":"New Zealand Local Government Funding Agency Ltd. 14/05/2032","pct":1.7},{"name":"Inter-American Development Bank 24/01/2044","pct":1.7},{"name":"Housing New Zealand 10/09/2035","pct":1.7},{"name":"New Zealand Local Government Funding Agency Ltd. 15/05/2035","pct":1.6},{"name":"New Zealand Government Bond 15/05/2034","pct":1.5},{"name":"Community Refuge Trust 21/03/2026","pct":1.5}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Pathfinder Kiwisaver Growth Fund","tag":"Active Balanced","letter":"P","color":"#1a5e1a","provider":"Pathfinder","r1":7.8,"r3":4.5,"r5":9.1,"fee":1.28,"inception":"2019","benchmark":"Morningstar® Target Allocation IndexTM: Growth Multisector for New Zealand (gross of dividends an...","topHoldings":["Cash At Bank-Nzd-Westpac 4.59%","Microsoft Corporation 2.57%","Nvidia Corp 2.0%"],"desc":"An ethical portfolio with a higher exposure to growth assets and a lower exposure to income assets. This Fund’s value is likely to fluctuate more than the Balanced Fund or Conservative Fund.","invests":"international equities 47%, australasian equities 18%, international fixed interest 11%, new zealand fixed interest 8%","annual":{"2021":34.5,"2022":6.2,"2023":-3,"2024":14.6,"2025":2},"holdings":[{"name":"Cash At Bank-Nzd-Westpac","pct":4.6},{"name":"Microsoft Corporation","pct":2.6},{"name":"Nvidia Corp","pct":2},{"name":"Fisher & Paykel Healthcare Ltd","pct":1.9},{"name":"Cash At Bank-Nzd- Anz","pct":1.8},{"name":"Apple Inc","pct":1.7},{"name":"Alphabet Inc Class A","pct":1.5},{"name":"Infratil Ltd","pct":1.3},{"name":"Broadcom Inc","pct":1},{"name":"National Australia Bank Ltd","pct":0.9}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Pathfinder Kiwisaver High Growth Fund","tag":"Active Balanced","letter":"P","color":"#1a5e1a","provider":"Pathfinder","r1":null,"r3":null,"r5":null,"fee":1.27,"inception":"2025","benchmark":"Morningstar® Target Allocation IndexTM: Aggressive Multisector for New Zealand, non-New Zealand F...","topHoldings":["Cash At Bank – Anz- Nzd 7.59%","Cash At Bank – Westpac- Nzd 4.36%","Microsoft Corporation 3.21%"],"desc":"An ethical portfolio with a higher exposure to growth assets than income assets. The value of the Fund could move up or down significantly and is likely to fluctuate more than the other Funds in the Pathfinder KiwiSaver Plan.","invests":"international equities 58%, australasian equities 18%, cash and cash equivalents 13%, listed property 6%","holdings":[{"name":"Cash At Bank – Anz- Nzd","pct":7.6},{"name":"Cash At Bank – Westpac- Nzd","pct":4.4},{"name":"Microsoft Corporation","pct":3.2},{"name":"Nvidia Corp","pct":2.5},{"name":"Apple Inc","pct":2.2},{"name":"Fisher & Paykel Healthcare Ltd","pct":2},{"name":"Alphabet Inc Class A","pct":1.9},{"name":"Infratil Ltd","pct":1.3},{"name":"Broadcom Inc","pct":1.3},{"name":"National Australia Bank Ltd","pct":0.9}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Summer Australian Equities","tag":"Active Growth","letter":"S","color":"#e85d00","provider":"Summer","r1":9.9,"r3":5.1,"r5":10.2,"fee":0.9,"inception":"2016","benchmark":"S&P/ASX 200 Accumulation Index 50% hedged to the NZD","topHoldings":["Bhp Group Limited 8.45%","Commonwealth Bank Of Australia Limited 6.29%","Westpac Banking Corporation 4.71%"],"desc":"The Summer Australian Equities fund invests mostly in Australian shares, and can invest in New Zealand listed shares where the company has meaningful operations in Australia. We aim to achieve long-term returns (before fees, taxes and other expenses) greater than the S&P/ASX 200 Accumulation Inde...","invests":"australasian equities 92%, listed property 5%","annual":{"2018":0.5,"2019":5.9,"2020":-17,"2021":37.3,"2022":13.8,"2023":-0.4,"2024":16.1,"2025":-0.4},"holdings":[{"name":"Bhp Group Limited","pct":8.4},{"name":"Commonwealth Bank Of Australia Limited","pct":6.3},{"name":"Westpac Banking Corporation","pct":4.7},{"name":"Csl Limited","pct":4.2},{"name":"Australia And New Zealand Banking Group Limited","pct":3.9},{"name":"Anz Transactional Bank Account","pct":3.5},{"name":"National Australia Bank Limited","pct":3.5},{"name":"Macquarie Group Limited","pct":2.6},{"name":"Rio Tinto Limited","pct":2.6},{"name":"Goodman Group","pct":2.6}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Summer Balanced Selection","tag":"Active Balanced","letter":"S","color":"#e85d00","provider":"Summer","r1":8.9,"r3":3.6,"r5":4.6,"fee":0.9,"inception":"2016","benchmark":"Composite index, made up of the indices used to measure the performance of each asset class inves...","topHoldings":["Hunter Global Fixed Interest Fund 19.01%","Vanguard Esg Us Stock Etf 5.52%","Vanguard Esg International Stock Etf 2.78%"],"desc":"The Summer Balanced Selection fund invests in a balanced mix of cash, fixed interest, equity and property investments. We aim to achieve long-term returns (before fees, taxes and other expenses) greater than a composite benchmark. Investors can expect moderate to high levels of movement up and do...","invests":"international equities 27%, australasian equities 21%, new zealand fixed interest 19%, international fixed interest 19%","annual":{"2018":6.3,"2019":7.2,"2020":-0.6,"2021":16.8,"2022":-0.1,"2023":-2.2,"2024":9.8,"2025":3.1},"holdings":[{"name":"Hunter Global Fixed Interest Fund","pct":19},{"name":"Vanguard Esg Us Stock Etf","pct":5.5},{"name":"Vanguard Esg International Stock Etf","pct":2.8},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":1.8},{"name":"Precinct Properties New Zealand Limited","pct":1.5},{"name":"Goodman Property Trust","pct":1.4},{"name":"New Zealand Government 1.5% 15/05/2031","pct":1.4},{"name":"New Zealand Government 14/04/2033 3.5%","pct":1.3},{"name":"Anz Transactional Bank Account","pct":1.3},{"name":"Kiwi Property Group Limited","pct":1.2}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Summer Conservative Selection","tag":"Active Balanced","letter":"S","color":"#e85d00","provider":"Summer","r1":6.9,"r3":2.8,"r5":3.1,"fee":0.75,"inception":"2019","benchmark":"Composite index, made up of the indices used to measure the performance of each asset class inves...","topHoldings":["Hunter Global Fixed Interest Fund 24.12%","Anz Transactional Bank Account 3.47%","Vanguard Esg Us Stock Etf 2.61%"],"desc":"The Summer Conservative Selection fund invests in a greater exposure to cash and fixed interest investments and a lesser exposure to equity and property investments. We aim to achieve long-term returns (before fees, taxes and other expenses) greater than a composite benchmark. Investors can expec...","invests":"new zealand fixed interest 34%, international fixed interest 24%, international equities 13%, australasian equities 12%","annual":{"2020":-0.8,"2021":10.3,"2022":-1.6,"2023":-1.4,"2024":6.6,"2025":3.2},"holdings":[{"name":"Hunter Global Fixed Interest Fund","pct":24.1},{"name":"Anz Transactional Bank Account","pct":3.5},{"name":"Vanguard Esg Us Stock Etf","pct":2.6},{"name":"New Zealand Government 1.5% 15/05/2031","pct":2.3},{"name":"New Zealand Government 14/04/2033 3.5%","pct":2.2},{"name":"New Zealand Government 15/05/2032 2.00%","pct":1.8},{"name":"Nz Government 4.25% 15/05/2034 Green Bond","pct":1.7},{"name":"New Zealand Government 4.5% 15/05/2035","pct":1.7},{"name":"New Zealand Government 4.25% 15/05/2036","pct":1.6},{"name":"New Zealand Government 15/05/2028 0.25%","pct":1.6}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Summer Global Equities","tag":"Active Growth","letter":"S","color":"#e85d00","provider":"Summer","r1":14.9,"r3":9.9,"r5":8.4,"fee":0.9,"inception":"2016","benchmark":"MSCI ACWI Net Total Return Index 50% hedged to the NZD","topHoldings":["Vanguard Esg Us Stock Etf 19.28%","Vanguard Esg International Stock Etf 9.73%","Microsoft Corp 1.83%"],"desc":"The Summer Global Equities fund invests in international shares. We aim to achieve long-term returns (before fees, taxes and other expenses) greater than the MSCI ACWI Net Total Return Index, 50% hedged to the New Zealand dollar.","invests":"international equities 95%","annual":{"2018":9,"2019":5.8,"2020":5.9,"2021":24.2,"2022":-4.8,"2023":-3.4,"2024":25.1,"2025":8},"holdings":[{"name":"Vanguard Esg Us Stock Etf","pct":19.3},{"name":"Vanguard Esg International Stock Etf","pct":9.7},{"name":"Microsoft Corp","pct":1.8},{"name":"Anz Transactional Bank Account","pct":1.7},{"name":"Salesforce.Com, Inc.","pct":1.5},{"name":"Mastercard Inc.","pct":1.4},{"name":"Verizon Communications Inc","pct":1.4},{"name":"Uber Technologies Inc","pct":1.4},{"name":"Amazon.Com Inc.","pct":1.3},{"name":"Nestle S.A.","pct":1.2}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Summer Global Fixed Interest","tag":"Active Balanced","letter":"S","color":"#e85d00","provider":"Summer","r1":4.8,"r3":1,"r5":1.1,"fee":0.75,"inception":"2016","benchmark":"Bloomberg Global- Aggregate Total Return Index (NZD hedged)","topHoldings":["Hunter Global Fixed Interest Fund 96.17%","Anz Transactional Bank Account 3.83%"],"desc":"The Summer Global Fixed Interest fund invests in international fixed interest assets. 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We aim to achieve long-term returns (before fees, taxes and other expenses) greater than a composite benchmark. Investors can expect mode...","invests":"international equities 40%, australasian equities 29%, new zealand fixed interest 10%, listed property 10%","annual":{"2020":-3.6,"2021":23.4,"2022":1.4,"2023":-2.6,"2024":12.7,"2025":3.1},"holdings":[{"name":"Vanguard Esg Us Stock Etf","pct":8.2},{"name":"Hunter Global Fixed Interest Fund","pct":6},{"name":"Vanguard Esg International Stock Etf","pct":4.2},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":2.4},{"name":"Precinct Properties New Zealand Limited","pct":1.7},{"name":"Goodman Property Trust","pct":1.6},{"name":"Anz Transactional Bank Account","pct":1.6},{"name":"Kiwi Property Group Limited","pct":1.4},{"name":"Auckland International Airport Limited","pct":1.4},{"name":"Bhp Group Limited","pct":1.2}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Summer Listed Property","tag":"Active Growth","letter":"S","color":"#e85d00","provider":"Summer","r1":12.3,"r3":-6.5,"r5":-0.6,"fee":0.9,"inception":"2016","benchmark":"S&P/NZX All Real Estate Gross with Imputation Index","topHoldings":["Precinct Properties New Zealand Limited 18.46%","Goodman Property Trust 16.71%","Kiwi Property Group Limited 14.51%"],"desc":"The Summer Listed Property fund invests in listed financial products issued by entities whose principal business involves the owning or managing of property, property-like assets or real assets. We aim to achieve long-term returns (before fees, taxes and other expenses) greater than the S&P/NZX A...","invests":"listed property 91%, australasian equities 6%","annual":{"2018":5,"2019":16.8,"2020":-5.8,"2021":29.7,"2022":2.3,"2023":-15.6,"2024":3.8,"2025":-7.9},"holdings":[{"name":"Precinct Properties New Zealand Limited","pct":18.5},{"name":"Goodman Property Trust","pct":16.7},{"name":"Kiwi Property Group Limited","pct":14.5},{"name":"Property For Industry Limited","pct":8.7},{"name":"Vital Healthcare Property Trust","pct":8.2},{"name":"Argosy Property Limited","pct":8.2},{"name":"Stride Property Group","pct":7.2},{"name":"Anz Transactional Bank Account","pct":3.3},{"name":"Investore Property Limited","pct":2.2},{"name":"New Zealand Rural Land Company","pct":1.8}]},{"type":"kiwisaver","risk":"defensive","rn":1,"name":"Summer New Zealand Cash","tag":"Active Defensive","letter":"S","color":"#e85d00","provider":"Summer","r1":3.5,"r3":3.3,"r5":3.2,"fee":0.5,"inception":"2016","benchmark":"S&P/NZX Bank Bills 90-Day Index","topHoldings":["Anz Transactional Bank Account 9.82%","Bank Of China Call Account 4.77%","Kiwibank Frn 13/06/2028 4.31%"],"desc":"The Summer New Zealand Cash fund invests in cash, cash equivalents and short-term New Zealand debt security assets. We aim to provide returns (before fees, taxes and other expenses) above the Official Cash Rate (OCR) over a rolling 12 month period.","invests":"cash and cash equivalents 65%, new zealand fixed interest 35%","annual":{"2018":1.1,"2019":0.9,"2020":0.8,"2021":0.1,"2022":0.1,"2023":2.1,"2024":3.9,"2025":3.8},"holdings":[{"name":"Anz Transactional Bank Account","pct":9.8},{"name":"Bank Of China Call Account","pct":4.8},{"name":"Kiwibank Frn 13/06/2028","pct":4.3},{"name":"Watercare Cp 14/01/2026","pct":4},{"name":"Fonterra Co-Op Group Cp 22/01/2026","pct":4},{"name":"Tax Management Nz Tributum Trust Cp 28/01/2026","pct":4},{"name":"New Zealand Government 15/05/2028 0.25%","pct":3.7},{"name":"Meridian Energy Limited Cp 13/01/2026","pct":2.9},{"name":"Investore Property Limited 2.40 %31/08/2027","pct":2.5},{"name":"Argosy Property Limited Green Bonds 27/03/2026 4.00%","pct":2.5}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Summer New Zealand Equities","tag":"Active Growth","letter":"S","color":"#e85d00","provider":"Summer","r1":5.9,"r3":-0.1,"r5":2.9,"fee":0.9,"inception":"2016","benchmark":"S&P/NZX 50 Gross with Imputation Index","topHoldings":["Fisher & Paykel Healthcare Corporation Limited 13.7%","Auckland International Airport Limited 7.8%","Infratil Limited 6.85%"],"desc":"The Summer New Zealand Equities fund invests mostly in New Zealand shares, and can invest in Australian listed shares where the company has meaningful operations in New Zealand. We aim to achieve long-term returns (before fees, taxes and other expenses) greater than the S&P/NZX50 Gross with Imput...","invests":"australasian equities 92%, listed property 5%","annual":{"2018":14.8,"2019":16.4,"2020":-3.3,"2021":28.8,"2022":2.4,"2023":-1.3,"2024":1.9,"2025":-1.1},"holdings":[{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":13.7},{"name":"Auckland International Airport Limited","pct":7.8},{"name":"Infratil Limited","pct":6.8},{"name":"Spark New Zealand Limited","pct":5},{"name":"Ebos Group Limited","pct":5},{"name":"Contact Energy Limited","pct":4.6},{"name":"Meridian Energy Limited","pct":4.3},{"name":"Mainfreight Limited","pct":4.2},{"name":"Ryman Healthcare Limited","pct":3.4},{"name":"The A2 Milk Company Limited","pct":3}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Summer New Zealand Fixed Interest","tag":"Active Balanced","letter":"S","color":"#e85d00","provider":"Summer","r1":4.7,"r3":2.6,"r5":1.5,"fee":0.75,"inception":"2016","benchmark":"Bloomberg NZBond Composite 0+Yr Index","topHoldings":["New Zealand Government 1.5% 15/05/2031 7.24%","New Zealand Government 14/04/2033 3.5% 6.82%","New Zealand Government 15/05/2032 2.00% 5.58%"],"desc":"The Summer New Zealand Fixed Interest fund invests in New Zealand fixed interest assets. We aim to achieve long-term returns (before fees, taxes and other expenses) greater than the Bloomberg NZBond Composite 0+ Yr Index.","invests":"new zealand fixed interest 94%, cash and cash equivalents 6%","annual":{"2018":3.2,"2019":3.6,"2020":1.6,"2021":2.5,"2022":-3.9,"2023":-0.3,"2024":3.8,"2025":4.3},"holdings":[{"name":"New Zealand Government 1.5% 15/05/2031","pct":7.2},{"name":"New Zealand Government 14/04/2033 3.5%","pct":6.8},{"name":"New Zealand Government 15/05/2032 2.00%","pct":5.6},{"name":"Nz Government 4.25% 15/05/2034 Green Bond","pct":5.3},{"name":"New Zealand Government 4.5% 15/05/2035","pct":5.3},{"name":"New Zealand Government 4.25% 15/05/2036","pct":5},{"name":"New Zealand Government 4.50% 15/05/2030","pct":4.5},{"name":"New Zealand Government 3% 20/04/2029","pct":4.4},{"name":"New Zealand Government 15/05/2028 0.25%","pct":3.8},{"name":"Anz Transactional Bank Account","pct":3.4}]},{"type":"kiwisaver","risk":"conservative","rn":2,"name":"Cash Fund","tag":"Passive Conservative","letter":"M","color":"#1a237e","provider":"Mercer","r1":3.4,"r3":3.3,"r5":3.3,"fee":0.32,"inception":"2007","benchmark":"The market index return is the strategic asset allocation weighted benchmark index return, where ...","topHoldings":["Westpac New Zealand Limited Rcd Maturing 23/02/2026 6.54%","New Zealand Local Government Funding Agency Bond 1.50% 15/04/2026 5.58%","Westpac New Zealand Limited 1.439% 24/02/2026 5.32%"],"desc":"Invests entirely in cash and short term interest bearing investments. Designed for investors who want no exposure to growth assets or where the funds may be required in the shorter term.","invests":"cash and cash equivalents 100%","annual":{"2016":2.3,"2017":1.6,"2018":1.5,"2019":1.5,"2020":1.1,"2021":0.2,"2022":0.3,"2023":2.2,"2024":3.9,"2025":3.7},"holdings":[{"name":"Westpac New Zealand Limited Rcd Maturing 23/02/2026","pct":6.5},{"name":"New Zealand Local Government Funding Agency Bond 1.50% 15/04/2026","pct":5.6},{"name":"Westpac New Zealand Limited 1.439% 24/02/2026","pct":5.3},{"name":"Rabobank New Zealand Limited Rcd Maturing 01/05/2026","pct":4.2},{"name":"Asb Bank Limited Rcd Maturing 09/02/2026","pct":3.5},{"name":"Asb Bank Limited Rcd Maturing 27/02/2026","pct":3.5},{"name":"Rabobank New Zealand Limited Floating Rate Note 16/03/2026","pct":3.3},{"name":"Industrial And Commercial Bank Of China Rcd Maturing 19/03/2026","pct":3},{"name":"Westpac New Zealand Limited 3.02% 06/10/2026","pct":2.8},{"name":"Asb Bank Limited Rcd Maturing 10/02/2026","pct":2.8}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Responsible Balanced Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":8.9,"r3":3.6,"r5":5.4,"fee":0.75,"inception":"2007","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["Nvidia Corporation 2.17%","Fisher & Paykel Healthcare Corporation Limited 2.02%","Apple Inc. 1.95%"],"desc":"Invests mainly in growth assets such as shares and real assets with about 40% invested in defensive assets such as fixed interest and cash. May be suitable for investors who want a diversified investment with exposure to shares, real assets, fixed interest and cash. This fund can be expect to hav...","invests":"international equities 39%, international fixed interest 26%, australasian equities 13%, new zealand fixed interest 11%","annual":{"2016":3.5,"2017":7.3,"2018":6.5,"2019":5,"2020":-2.8,"2021":18.3,"2022":2.5,"2023":-2.7,"2024":9.6,"2025":3.9},"holdings":[{"name":"Nvidia Corporation","pct":2.2},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":2},{"name":"Apple Inc.","pct":1.9},{"name":"Microsoft Corporation","pct":1.6},{"name":"Auckland International Airport Limited","pct":1.2},{"name":"Infratil Limited","pct":1.2},{"name":"New Zealand Government Bond 3.0% 20/04/2029","pct":1.1},{"name":"Amazon.Com Inc","pct":1.1},{"name":"New Zealand Government Bond 3.50% 14/04/2033","pct":1},{"name":"New Zealand Government Bond 1.50% 15/05/2031","pct":1}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Responsible Conservative Fund","tag":"Passive Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":5.6,"r3":2.6,"r5":2.6,"fee":0.49,"inception":"2007","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["Ishares Mortgage Backed Bond Etf 4.38%","New Zealand Government Bond 3.0% 20/04/2029 2.68%","New Zealand Government Bond 3.50% 14/04/2033 2.61%"],"desc":"Invests mostly in defensive assets such as fixed interest, with only limited investment in growth assets such as shares. May be suitable for investors who want to achieve slightly higher returns than those expected from investing solely in the Cash fund. Investors need to be comfortable with the ...","invests":"international fixed interest 35%, new zealand fixed interest 27%, cash and cash equivalents 18%, international equities 15%","annual":{"2016":3.6,"2017":4,"2018":3.8,"2019":3.9,"2020":1,"2021":6.8,"2022":-0.4,"2023":-1.7,"2024":5.9,"2025":3.6},"holdings":[{"name":"Ishares Mortgage Backed Bond Etf","pct":4.4},{"name":"New Zealand Government Bond 3.0% 20/04/2029","pct":2.7},{"name":"New Zealand Government Bond 3.50% 14/04/2033","pct":2.6},{"name":"New Zealand Government Bond 1.50% 15/05/2031","pct":2.5},{"name":"New Zealand Government Bond 4.50% 15/05/2030","pct":2.4},{"name":"New Zealand Government Bond 1.75% 15/05/2041","pct":2.2},{"name":"New Zealand Government Bond 0.25% 15/05/2028","pct":2.1},{"name":"New Zealand Government Bond 2.75% 15/04/2037","pct":1.9},{"name":"New Zealand Government Bond 4.25% 15/05/2036","pct":1.8},{"name":"New Zealand Government Bond 2.00% 15/05/2032","pct":1.8}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Responsible Growth Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":10,"r3":4.4,"r5":7,"fee":0.84,"inception":"2015","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["Fisher & Paykel Healthcare Corporation Limited 2.93%","Nvidia Corporation 2.86%","Apple Inc. 2.57%"],"desc":"Invests predominantly in growth assets such as shares and real assets, with only a limited amount in defensive assets such as fixed interest and cash. This fund may be suited to investors wanting to invest mostly in growth assets who are comfortable accepting more volatile returns than those expe...","invests":"international equities 52%, australasian equities 19%, international fixed interest 14%, other 6%","annual":{"2016":3.2,"2017":9.5,"2018":8,"2019":5.5,"2020":-5,"2021":25.2,"2022":4,"2023":-3.2,"2024":12.6,"2025":4},"holdings":[{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":2.9},{"name":"Nvidia Corporation","pct":2.9},{"name":"Apple Inc.","pct":2.6},{"name":"Microsoft Corporation","pct":2},{"name":"Auckland International Airport Limited","pct":1.8},{"name":"Infratil Limited","pct":1.8},{"name":"Amazon.Com Inc","pct":1.4},{"name":"Alphabet Inc","pct":1.3},{"name":"Contact Energy Limited","pct":1.1},{"name":"The A2 Milk Company Limited","pct":1.1}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Responsible High Growth Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":11.3,"r3":5.1,"r5":8.2,"fee":0.89,"inception":"2007","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["Nvidia Corporation 3.59%","Fisher & Paykel Healthcare Corporation Limited 3.23%","Apple Inc. 3.22%"],"desc":"Invests almost entirely in growth assets such as shares and real assets, with only a small amount invested in defensive assets such as fixed interest and cash. May be suitable for investors wanting to invest predominantly in growth assets, who want higher long-term returns and are comfortable wit...","invests":"international equities 65%, australasian equities 21%, other 6%","annual":{"2016":3.9,"2017":11.1,"2018":9.6,"2019":6.4,"2020":-6.2,"2021":30.8,"2022":4.8,"2023":-3.5,"2024":14.7,"2025":4.2},"holdings":[{"name":"Nvidia Corporation","pct":3.6},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":3.2},{"name":"Apple Inc.","pct":3.2},{"name":"Microsoft Corporation","pct":2.5},{"name":"Auckland International Airport Limited","pct":1.9},{"name":"Infratil Limited","pct":1.9},{"name":"Amazon.Com Inc","pct":1.7},{"name":"Alphabet Inc","pct":1.6},{"name":"The A2 Milk Company Limited","pct":1.2},{"name":"Contact Energy Limited","pct":1.2}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Responsible Moderate Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":7.1,"r3":3,"r5":4,"fee":0.66,"inception":"2015","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["New Zealand Government Bond 3.0% 20/04/2029 1.96%","New Zealand Government Bond 3.50% 14/04/2033 1.91%","New Zealand Government Bond 1.50% 15/05/2031 1.87%"],"desc":"Invests mainly in defensive assets such as fixed interest and cash, with about 40% invested in growth assets such as shares and real assets. This fund may be suitable for investors who want to invest in a fund with a broad mix of assets and who are comfortable with a higher degree of volatility i...","invests":"international fixed interest 29%, international equities 25%, new zealand fixed interest 20%, cash and cash equivalents 11%","annual":{"2016":3.3,"2017":5.1,"2018":4.8,"2019":4.1,"2020":-0.7,"2021":11.6,"2022":1.2,"2023":-2,"2024":7.2,"2025":3.7},"holdings":[{"name":"New Zealand Government Bond 3.0% 20/04/2029","pct":2},{"name":"New Zealand Government Bond 3.50% 14/04/2033","pct":1.9},{"name":"New Zealand Government Bond 1.50% 15/05/2031","pct":1.9},{"name":"New Zealand Government Bond 4.50% 15/05/2030","pct":1.7},{"name":"New Zealand Government Bond 1.75% 15/05/2041","pct":1.6},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":1.6},{"name":"New Zealand Government Bond 0.25% 15/05/2028","pct":1.5},{"name":"New Zealand Government Bond 2.75% 15/04/2037","pct":1.4},{"name":"Nvidia Corporation","pct":1.4},{"name":"New Zealand Government Bond 4.25% 15/05/2036","pct":1.3}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Responsible Shares Fund","tag":"Active Growth","letter":"M","color":"#1a237e","provider":"Mercer","r1":11.9,"r3":5.7,"r5":8.3,"fee":0.95,"inception":"2015","benchmark":"The market index return is the strategic asset allocation weighted benchmark index return, where ...","topHoldings":["Nvidia Corp 4.07%","Fisher & Paykel Healthcare Corporation Limited 4.0%","Apple Inc 3.66%"],"desc":"Invests almost entirely in shares. May be suitable for investors seeking exposure mostly to shares and who are comfortable with a high level of volatility in returns. This fund is managed with reference to environmental, social and governance (ESG) factors and is certified by the Responsible Inve...","invests":"international equities 74%, australasian equities 26%","annual":{"2016":3.7,"2017":12.5,"2018":11.2,"2019":6.6,"2020":-6.9,"2021":36.9,"2022":2,"2023":-3.8,"2024":16.9,"2025":4},"holdings":[{"name":"Nvidia Corp","pct":4.1},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":4},{"name":"Apple Inc","pct":3.7},{"name":"Microsoft Corporation","pct":2.9},{"name":"Infratil Limited","pct":2.4},{"name":"Auckland International Airport Limited","pct":2.3},{"name":"Amazon.Com Inc","pct":2},{"name":"Alphabet Inc","pct":1.9},{"name":"Contact Energy Limited","pct":1.5},{"name":"The A2 Milk Company Limited","pct":1.5}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Balanced Fund","tag":"Active Balanced","letter":"J","color":"#1a5e8a","provider":"JMI Wealth","r1":10.2,"r3":3.6,"r5":5.2,"fee":1.23,"inception":"2020","benchmark":"Weighted average annual return of the market indices used to measure the performance of the asset...","topHoldings":["Nzd Cash Account (Anz Bank) 8.48%","Schroder Sustainable Global Core Pie Fund Hedged 8.28%","Amova Nz Bond Fund 6.12%"],"desc":"Aims to provide a medium level of capital growth over the medium to long term (at least 5 years). The fund invests similar proportions in income and growth assets.","invests":"international equities 32%, australasian equities 21%, new zealand fixed interest 17%, international fixed interest 13%","annual":{"2022":1.7,"2023":-3.5,"2024":10.8,"2025":3.6},"holdings":[{"name":"Nzd Cash Account (Anz Bank)","pct":8.5},{"name":"Schroder Sustainable Global Core Pie Fund Hedged","pct":8.3},{"name":"Amova Nz Bond Fund","pct":6.1},{"name":"Schroder Sustainable Global Core Pie Fund","pct":5.5},{"name":"Amova Global Bond Fund","pct":5.1},{"name":"Capital International Fund - Capital Group New Perspective Fund Lux","pct":4},{"name":"Salt Global Listed Infrastructure Fund","pct":3.6},{"name":"Mortgage Passthrough Tba","pct":3.5},{"name":"Milford Trans Tasman Bond Fund","pct":3.3},{"name":"Ishares Msci Em Imi Screened Ucits Etf","pct":3}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Conservative Fund","tag":"Active Balanced","letter":"J","color":"#1a5e8a","provider":"JMI Wealth","r1":6.9,"r3":2.6,"r5":2.7,"fee":1.1,"inception":"2020","benchmark":"Weighted average annual return of the market indices used to measure the performance of the asset...","topHoldings":["Amova Global Bond Fund 11.54%","Amova Nz Bond Fund 9.31%","Mortgage Passthrough Tba 6.96%"],"desc":"Aims to protect capital and provide a moderate return over the medium term (at least 3 years). The fund invests mostly in income assets, with a modest allocation to growth assets","invests":"new zealand fixed interest 37%, international fixed interest 26%, international equities 12%, australasian equities 12%","annual":{"2022":-1.1,"2023":-2.5,"2024":6.8,"2025":3.6},"holdings":[{"name":"Amova Global Bond Fund","pct":11.5},{"name":"Amova Nz Bond Fund","pct":9.3},{"name":"Mortgage Passthrough Tba","pct":7},{"name":"Nzd Cash Account (Anz Bank)","pct":5.3},{"name":"Milford Trans Tasman Bond Fund","pct":4.3},{"name":"Salt Global Listed Infrastructure Fund","pct":3.2},{"name":"Capital International Fund - Capital Group New Perspective Fund Lux","pct":3},{"name":"Schroder Sustainable Global Core Pie Fund Hedged","pct":2.4},{"name":"Ishares Msci Em Imi Screened Ucits Etf","pct":2},{"name":"New Zealand Government 4.50% 15/05/2030","pct":1.5}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Growth Fund","tag":"Active Balanced","letter":"J","color":"#1a5e8a","provider":"JMI Wealth","r1":10,"r3":4.8,"r5":6.8,"fee":1.29,"inception":"2020","benchmark":"Weighted average annual return of the market indices used to measure the performance of the asset...","topHoldings":["Schroder Sustainable Global Core Pie Fund Hedged 11.82%","Nzd Cash Account (Anz Bank) 8.05%","Capital International Fund - Capital Group New Perspective Fund Lux 6.74%"],"desc":"Aims to provide a high level of capital growth over the medium to long term (at least 7 years). The fund invests mostly in growth assets, with a modest allocation to income assets.","invests":"international equities 46%, australasian equities 30%, international fixed interest 8%, cash and cash equivalents 8%","annual":{"2022":4.1,"2023":-4.1,"2024":14.8,"2025":3.8},"holdings":[{"name":"Schroder Sustainable Global Core Pie Fund Hedged","pct":11.8},{"name":"Nzd Cash Account (Anz Bank)","pct":8.1},{"name":"Capital International Fund - Capital Group New Perspective Fund Lux","pct":6.7},{"name":"Schroder Sustainable Global Core Pie Fund","pct":6.6},{"name":"Amova Nz Bond Fund","pct":5.8},{"name":"Ishares Msci Em Imi Screened Ucits Etf","pct":5.1},{"name":"Wellington Global Stewards Fund","pct":3},{"name":"Amova Global Bond Fund","pct":3},{"name":"Mortgage Passthrough Tba","pct":2.3},{"name":"Salt Global Listed Infrastructure Fund","pct":2.2}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"BNZ Kiwisaver Balanced Fund","tag":"Passive Balanced","letter":"B","color":"#8B0000","provider":"BNZ","r1":10.1,"r3":5,"r5":5.8,"fee":0.45,"inception":"2013","benchmark":"A composite based on the benchmark indices for the asset classes that make up the Fund’s target i...","topHoldings":["Fisher & Paykel Healthcare Ltd 3.44%","Nvidia Corp 1.99%","Auckland International Airport Ltd 1.95%"],"desc":"The Balanced Fund invests largely in growth assets, which generally have higher levels of risk with the potential for higher returns. It also has a sizeable allocation to income assets, which generally have lower levels of risk and potential returns. It aims to achieve a medium level of return ov...","invests":"international equities 40%, international fixed interest 25%, australasian equities 23%, new zealand fixed interest 9%","annual":{"2016":1.4,"2017":8.5,"2018":7.1,"2019":5.3,"2020":0.8,"2021":16.7,"2022":0.1,"2023":-2.4,"2024":11.7,"2025":5.5},"holdings":[{"name":"Fisher & Paykel Healthcare Ltd","pct":3.4},{"name":"Nvidia Corp","pct":2},{"name":"Auckland International Airport Ltd","pct":1.9},{"name":"Infratil Ltd","pct":1.9},{"name":"Apple Inc","pct":1.8},{"name":"Microsoft Corporation","pct":1.6},{"name":"Mainfreight Ltd","pct":1.4},{"name":"Contact Energy Ltd","pct":1.4},{"name":"A2 Milk Company Ltd","pct":1.2},{"name":"Amazon.Com Inc","pct":1}]},{"type":"kiwisaver","risk":"conservative","rn":2,"name":"BNZ Kiwisaver Cash Fund","tag":"Passive Conservative","letter":"B","color":"#8B0000","provider":"BNZ","r1":3.7,"r3":3.4,"r5":3.4,"fee":0.3,"inception":"2013","benchmark":"Currently based on the Bloomberg NZBond Bank Bill index as described in the Statement of Investme...","topHoldings":["Asb Bank Ltd Registered Certificate Of Deposit 03/08/2026 7.4%","Asb Bank Ltd Registered Certificate Of Deposit 10/12/2026 7.34%","Westpac New Zealand Ltd 6.8%"],"desc":"The Cash Fund invests in income assets, including New Zealand short-term cash securities and cash equivalent securities. It aims to achieve stable returns over the short term.","invests":"cash and cash equivalents 100%","annual":{"2016":1.9,"2017":1.9,"2018":1.7,"2019":1.7,"2020":1.3,"2021":0.4,"2022":0.3,"2023":2.2,"2024":4,"2025":3.8},"holdings":[{"name":"Asb Bank Ltd Registered Certificate Of Deposit 03/08/2026","pct":7.4},{"name":"Asb Bank Ltd Registered Certificate Of Deposit 10/12/2026","pct":7.3},{"name":"Westpac New Zealand Ltd","pct":6.8},{"name":"Westpac New Zealand Ltd Floating Rate Note 06/07/2026","pct":5.5},{"name":"Rabobank New Zealand Ltd 0% 16/02/2026","pct":5},{"name":"Rabobank New Zealand Ltd. 5.975% 16/03/2026","pct":4.4},{"name":"Bnz Rda 185 Day Ocr +50Bps","pct":4.3},{"name":"New Zealand (Local Government Funding Agency) 1.5% 15/04/2026","pct":3.8},{"name":"Kiwibank Ltd Term Deposit 2.9% 18/05/2026","pct":3.6},{"name":"Bank Of New Zealand Registered Certificate Of Deposit 15/01/2026","pct":3.6}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"BNZ Kiwisaver Conservative Fund","tag":"Passive Balanced","letter":"B","color":"#8B0000","provider":"BNZ","r1":6.1,"r3":2.9,"r5":2.6,"fee":0.45,"inception":"2013","benchmark":"A composite based on the benchmark indices for the asset classes that make up the Fund’s target i...","topHoldings":["Asb Bank Ltd Registered Certificate Of Deposit 03/08/2026 1.67%","Asb Bank Ltd Registered Certificate Of Deposit 10/12/2026 1.65%","Westpac New Zealand Ltd 1.53%"],"desc":"The Conservative Fund invests mostly in income assets, which generally have lower levels of risk with the potential for lower returns. It also has a modest allocation to growth assets, which generally have higher levels of risk and potential returns. It aims to achieve relatively stable returns o...","invests":"international fixed interest 41%, cash and cash equivalents 23%, new zealand fixed interest 14%, international equities 13%","annual":{"2016":2.2,"2017":4.7,"2018":4.2,"2019":3.2,"2020":1.8,"2021":5.5,"2022":-1.7,"2023":-1.6,"2024":6.1,"2025":4.2},"holdings":[{"name":"Asb Bank Ltd Registered Certificate Of Deposit 03/08/2026","pct":1.7},{"name":"Asb Bank Ltd Registered Certificate Of Deposit 10/12/2026","pct":1.6},{"name":"Westpac New Zealand Ltd","pct":1.5},{"name":"Fisher & Paykel Healthcare Ltd","pct":1.4},{"name":"Westpac New Zealand Ltd Floating Rate Note 06/07/2026","pct":1.3},{"name":"New Zealand (Government) 4.5% 15/05/2030","pct":1.3},{"name":"New Zealand (Government) 4.25% 15/05/2036","pct":1.2},{"name":"New Zealand (Government) 1.5% 15/05/2031","pct":1.2},{"name":"Rabobank New Zealand Ltd 0% 16/02/2026","pct":1.1},{"name":"Bnp Paribas Bank Account Nzd","pct":1}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"BNZ Kiwisaver Default Fund","tag":"Passive Balanced","letter":"B","color":"#8B0000","provider":"BNZ","r1":10.7,"r3":4.9,"r5":null,"fee":0.35,"inception":"2021","benchmark":"A composite based on the benchmark indices for the asset classes that make up the Fund’s target i...","topHoldings":["Fisher & Paykel Healthcare Ltd 3.59%","Auckland International Airport Ltd 2.32%","Nvidia Corp 1.97%"],"desc":"The Default Fund invests largely in growth assets, which generally have higher levels of risk with the potential for higher returns. It also has a sizeable allocation to income assets, which generally have \r\nLower levels of risk and potential returns. It aims to achieve a medium level of return o...","invests":"international equities 40%, international fixed interest 26%, australasian equities 22%, new zealand fixed interest 9%","annual":{"2023":-2.3,"2024":11.6,"2025":5.6},"holdings":[{"name":"Fisher & Paykel Healthcare Ltd","pct":3.6},{"name":"Auckland International Airport Ltd","pct":2.3},{"name":"Nvidia Corp","pct":2},{"name":"Infratil Ltd","pct":1.8},{"name":"Apple Inc","pct":1.8},{"name":"Microsoft Corporation","pct":1.6},{"name":"Contact Energy Ltd","pct":1.4},{"name":"A2 Milk Company Ltd","pct":1.3},{"name":"Meridian Energy Ltd","pct":1.2},{"name":"Amazon.Com Inc","pct":1}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"BNZ Kiwisaver First Home Buyer Fund","tag":"Passive Balanced","letter":"B","color":"#8B0000","provider":"BNZ","r1":5.4,"r3":3.4,"r5":3.4,"fee":0.45,"inception":"2015","benchmark":"A composite based on the benchmark indices for the asset classes that make up the Fund’s target i...","topHoldings":["Asb Bank Ltd Registered Certificate Of Deposit 03/08/2026 4.27%","Asb Bank Ltd Registered Certificate Of Deposit 10/12/2026 4.23%","Westpac New Zealand Ltd 3.92%"],"desc":"The First Home Buyer Fund invests mostly in income assets, which generally have lower levels of risk with the potential for lower returns. It also has a small allocation to growth assets, which generally have higher levels of risk and potential returns. It aims to achieve relatively stable return...","invests":"cash and cash equivalents 58%, international fixed interest 19%, international equities 10%, australasian equities 8%","annual":{"2017":3.9,"2018":3.5,"2019":2.7,"2020":1.4,"2021":4.2,"2022":-0.5,"2023":0.3,"2024":5.8,"2025":4.2},"holdings":[{"name":"Asb Bank Ltd Registered Certificate Of Deposit 03/08/2026","pct":4.3},{"name":"Asb Bank Ltd Registered Certificate Of Deposit 10/12/2026","pct":4.2},{"name":"Westpac New Zealand Ltd","pct":3.9},{"name":"Westpac New Zealand Ltd Floating Rate Note 06/07/2026","pct":3.2},{"name":"Rabobank New Zealand Ltd 0% 16/02/2026","pct":2.9},{"name":"Rabobank New Zealand Ltd. 5.975% 16/03/2026","pct":2.5},{"name":"Bnz Rda 185 Day Ocr +50Bps","pct":2.5},{"name":"New Zealand (Local Government Funding Agency) 1.5% 15/04/2026","pct":2.2},{"name":"Kiwibank Ltd Term Deposit 2.9% 18/05/2026","pct":2.1},{"name":"Bank Of New Zealand Registered Certificate Of Deposit 15/01/2026","pct":2.1}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"BNZ Kiwisaver Growth Fund","tag":"Passive Balanced","letter":"B","color":"#8B0000","provider":"BNZ","r1":11.8,"r3":6,"r5":7.5,"fee":0.45,"inception":"2013","benchmark":"A composite based on the benchmark indices for the asset classes that make up the Fund’s target i...","topHoldings":["Fisher & Paykel Healthcare Ltd 4.47%","Nvidia Corp 2.61%","Infratil Ltd 2.54%"],"desc":"The Growth Fund invests mostly in growth assets, which generally have higher levels of risk with the potential for higher returns. It also has a modest allocation to income assets, which generally have lower levels of risk and potential returns. It aims to achieve higher returns over the long term.","invests":"international equities 53%, australasian equities 29%, international fixed interest 12%","annual":{"2016":0.9,"2017":11,"2018":8.7,"2019":6.6,"2020":0.1,"2021":23,"2022":1.2,"2023":-2.4,"2024":14.4,"2025":6.1},"holdings":[{"name":"Fisher & Paykel Healthcare Ltd","pct":4.5},{"name":"Nvidia Corp","pct":2.6},{"name":"Infratil Ltd","pct":2.5},{"name":"Auckland International Airport Ltd","pct":2.5},{"name":"Apple Inc","pct":2.4},{"name":"Microsoft Corporation","pct":2.1},{"name":"Mainfreight Ltd","pct":1.8},{"name":"Contact Energy Ltd","pct":1.8},{"name":"A2 Milk Company Ltd","pct":1.6},{"name":"Amazon.Com Inc","pct":1.3}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"BNZ Kiwisaver High Growth Fund","tag":"Passive Balanced","letter":"B","color":"#8B0000","provider":"BNZ","r1":13.4,"r3":null,"r5":null,"fee":0.45,"inception":"2023","benchmark":"A composite based on the benchmark indices for the asset classes that make up the Fund’s target i...","topHoldings":["Fisher & Paykel Healthcare Ltd 5.02%","Nvidia Corp 3.28%","Apple Inc 2.98%"],"desc":"The High Growth Fund invests primarily in growth assets, which generally have higher levels of risk with the potential for higher returns. It may also allocate investment to income assets, which generally have lower levels of risk and potential returns. It aims to achieve the highest returns of t...","invests":"international equities 67%, australasian equities 33%","annual":{"2025":6.7},"holdings":[{"name":"Fisher & Paykel Healthcare Ltd","pct":5},{"name":"Nvidia Corp","pct":3.3},{"name":"Apple Inc","pct":3},{"name":"Auckland International Airport Ltd","pct":2.9},{"name":"Infratil Ltd","pct":2.9},{"name":"Microsoft Corporation","pct":2.7},{"name":"Mainfreight Ltd","pct":2},{"name":"Contact Energy Ltd","pct":2},{"name":"A2 Milk Company Ltd","pct":1.8},{"name":"Amazon.Com Inc","pct":1.7}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"BNZ Kiwisaver Moderate Fund","tag":"Passive Balanced","letter":"B","color":"#8B0000","provider":"BNZ","r1":8.2,"r3":4,"r5":4.3,"fee":0.45,"inception":"2013","benchmark":"A composite based on the benchmark indices for the asset classes that make up the Fund’s target i...","topHoldings":["Fisher & Paykel Healthcare Ltd 2.37%","Auckland International Airport Ltd 1.35%","Infratil Ltd 1.35%"],"desc":"The Moderate Fund invests largely in income assets, which generally have lower levels of risk with the potential for lower returns. It also has a sizeable allocation to growth assets, which generally have higher levels of risk and potential returns. It aims to achieve moderate returns over the me...","invests":"international fixed interest 34%, international equities 27%, australasian equities 16%, cash and cash equivalents 13%","annual":{"2016":1.5,"2017":6.8,"2018":5.8,"2019":4.4,"2020":1.4,"2021":11.4,"2022":-0.7,"2023":-2,"2024":9,"2025":4.9},"holdings":[{"name":"Fisher & Paykel Healthcare Ltd","pct":2.4},{"name":"Auckland International Airport Ltd","pct":1.4},{"name":"Infratil Ltd","pct":1.4},{"name":"Nvidia Corp","pct":1.3},{"name":"Apple Inc","pct":1.2},{"name":"Microsoft Corporation","pct":1.1},{"name":"New Zealand (Government) 4.5% 15/05/2030","pct":1},{"name":"Mainfreight Ltd","pct":0.9},{"name":"Contact Energy Ltd","pct":0.9},{"name":"Asb Bank Ltd Registered Certificate Of Deposit 03/08/2026","pct":0.9}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Balanced Fund","tag":"Active Balanced","letter":"K","color":"#005a5a","provider":"KiwiWrap","r1":null,"r3":null,"r5":null,"fee":0.7,"inception":"2025","benchmark":"The market index annual return is a composite market index that is constructed by taking the targ...","topHoldings":["Dimensional Global Bond Sustainability Trust Nzd Class 17.92%","Dimensional Two-Year Sustainability Fixed Interest Pie Fund 11.95%","Kernel Global Esg (Nzd Hedged) Fund 9.96%"],"desc":"The Fund holds a diversified portfolio of growth assets and income assets. Holding a balanced mix of growth and income assets means this Fund is expected to have moderate to high long term returns and up and down movements in the fund’s value","invests":"international equities 40%, international fixed interest 30%, australasian equities 20%, new zealand fixed interest 9%","holdings":[{"name":"Dimensional Global Bond Sustainability Trust Nzd Class","pct":17.9},{"name":"Dimensional Two-Year Sustainability Fixed Interest Pie Fund","pct":11.9},{"name":"Kernel Global Esg (Nzd Hedged) Fund","pct":10},{"name":"Dimensional Australian Sustainability Trust","pct":6.1},{"name":"Dimensional Global Sustainability Pie Fund (Nzd Hedged)","pct":6},{"name":"Dimensional Emerging Markets Sustainability Trust","pct":4},{"name":"A2 Milk","pct":0.8},{"name":"Mainfreight","pct":0.8},{"name":"Auckland International Airport","pct":0.8},{"name":"Contact Energy","pct":0.8}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Growth Fund","tag":"Active Balanced","letter":"K","color":"#005a5a","provider":"KiwiWrap","r1":null,"r3":null,"r5":null,"fee":0.75,"inception":"2025","benchmark":"The market index annual return is a composite market index that is constructed by taking the targ...","topHoldings":["Dimensional Global Sustainability Pie Fund (Nzd Hedged) 14.86%","Dimensional Global Bond Sustainability Trust Nzd Class 12.98%","Dimensional Australian Sustainability Trust 7.98%"],"desc":"The Fund holds a diversified portfolio of primarily growth assets and some income assets. Holding a high proportion of growth assets means it is expected to have high long term returns, but there is also likely to be reasonably large up and down movements in the Fund’s value","invests":"international equities 55%, australasian equities 25%, international fixed interest 13%, new zealand fixed interest 6%","holdings":[{"name":"Dimensional Global Sustainability Pie Fund (Nzd Hedged)","pct":14.9},{"name":"Dimensional Global Bond Sustainability Trust Nzd Class","pct":13},{"name":"Dimensional Australian Sustainability Trust","pct":8},{"name":"Kernel Global Esg (Nzd Hedged) Fund","pct":6.9},{"name":"Dimensional Emerging Markets Sustainability Trust Aud","pct":5.6},{"name":"A2 Milk","pct":1},{"name":"Mainfreight","pct":1},{"name":"Auckland International Airport","pct":1},{"name":"Contact Energy","pct":1},{"name":"Meridian Energy","pct":0.9}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"High Growth Fund","tag":"Active 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Milk","pct":1.2},{"name":"Mainfreight","pct":1.2},{"name":"Auckland International Airport","pct":1.2},{"name":"Contact Energy","pct":1.1},{"name":"Fisher & Paykel Healthcare","pct":1.1},{"name":"Meridian Energy","pct":1.1},{"name":"Mercury","pct":1.1}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Milford Kiwisaver Active Growth Fund","tag":"Active Balanced","letter":"M","color":"#001e40","provider":"Milford","r1":12.5,"r3":6.6,"r5":9.7,"fee":1.05,"inception":"2010","benchmark":"The market index return is the benchmark asset allocation weighted benchmark index return, as def...","topHoldings":["New Zealand Government 4.5% 15/05/2035 3.15%","National Grid Plc 2.54%","Natwest Group Plc 2.53%"],"desc":"The Fund’s objective is to provide annual returns of 10% after the base fund fee but before tax and before the performance fee, over the minimum recommended investment timeframe of seven years.\r\n\r\n\r\n\r\nIt is a diversified fund that primarily invests in equities, with a moderate allocation to fixed...","invests":"international equities 54%, australasian equities 16%, international fixed interest 14%, listed property 9%","annual":{"2016":7.6,"2017":8.5,"2018":12.4,"2019":6.7,"2020":-2.8,"2021":33.5,"2022":7.3,"2023":-1.1,"2024":16.2,"2025":4.7},"holdings":[{"name":"New Zealand Government 4.5% 15/05/2035","pct":3.1},{"name":"National Grid Plc","pct":2.5},{"name":"Natwest Group Plc","pct":2.5},{"name":"Sse Plc","pct":2.4},{"name":"Alphabet Inc.","pct":2.2},{"name":"Microsoft Corporation","pct":1.9},{"name":"Amazon.Com, Inc.","pct":1.7},{"name":"Contact Energy Ltd","pct":1.7},{"name":"Nzd Cash Current Account (Hsbc)","pct":1.6},{"name":"Crh Plc","pct":1.6}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Milford Kiwisaver Aggressive Fund","tag":"Active Growth","letter":"M","color":"#001e40","provider":"Milford","r1":10.7,"r3":6.8,"r5":9.3,"fee":1.15,"inception":"2019","benchmark":"The market index return is the benchmark asset allocation weighted benchmark index return, as def...","topHoldings":["Microsoft Corporation 3.29%","Usd Cash Current Account (Hsbc) 3.19%","Nzd Cash Current Account (Hsbc) 3.09%"],"desc":"The Fund’s objective is to maximise capital growth after the base fund fee but before tax and before the performance fee, over the minimum recommended investment timeframe of ten years. \r\n\r\n\r\n\r\nIt primarily invests in international equities, with a moderate allocation to Australasian equities.","invests":"international equities 72%, australasian equities 24%","annual":{"2021":39.1,"2022":6.4,"2023":-2.2,"2024":20.1,"2025":2.6},"holdings":[{"name":"Microsoft Corporation","pct":3.3},{"name":"Usd Cash Current Account (Hsbc)","pct":3.2},{"name":"Nzd Cash Current Account (Hsbc)","pct":3.1},{"name":"Nvidia Corporation","pct":2.5},{"name":"Amazon.Com, Inc.","pct":2.4},{"name":"Apple Inc.","pct":2.2},{"name":"Alphabet Inc.","pct":2},{"name":"Nzd Cash Call Account (Bnz Bank)","pct":1.9},{"name":"Aud Cash Current Account (Hsbc)","pct":1.9},{"name":"Natwest Group Plc","pct":1.9}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Milford Kiwisaver Balanced Fund","tag":"Active Balanced","letter":"M","color":"#001e40","provider":"Milford","r1":9.1,"r3":4.9,"r5":6.9,"fee":1.05,"inception":"2010","benchmark":"The market index return is the benchmark asset allocation weighted benchmark index return, as def...","topHoldings":["Nzd Cash Current Account (Hsbc) 3.68%","New Zealand Government 4.5% 15/05/2035 1.91%","Microsoft Corporation 1.5%"],"desc":"The Fund’s objective is to provide capital growth after the base fund fee but before tax and before the performance fee, over the minimum recommended investment timeframe of five years.\r\n\r\n\r\n\r\nIt is a diversified fund that primarily invests in equities, with a significant allocation to fixed inte...","invests":"international equities 37%, international fixed interest 21%, australasian equities 20%, new zealand fixed interest 13%","annual":{"2016":4.3,"2017":8.2,"2018":7.5,"2019":6.2,"2020":-0.9,"2021":23.9,"2022":5.4,"2023":-0.5,"2024":10.4,"2025":4.8},"holdings":[{"name":"Nzd Cash Current Account (Hsbc)","pct":3.7},{"name":"New Zealand Government 4.5% 15/05/2035","pct":1.9},{"name":"Microsoft Corporation","pct":1.5},{"name":"Natwest Group Plc","pct":1.3},{"name":"National Grid Plc","pct":1.3},{"name":"Sse Plc","pct":1.3},{"name":"Nzd Cash Call Account (Bnz Bank)","pct":1.2},{"name":"Amazon.Com, Inc.","pct":1.2},{"name":"Alphabet Inc.","pct":1.2},{"name":"Aud Cash Current Account (Hsbc)","pct":1.2}]},{"type":"kiwisaver","risk":"defensive","rn":1,"name":"Milford Kiwisaver Cash Fund","tag":"Passive Defensive","letter":"M","color":"#001e40","provider":"Milford","r1":3.5,"r3":3.4,"r5":3.5,"fee":0.2,"inception":"2020","benchmark":"The market index return is the benchmark asset allocation weighted benchmark index return, as def...","topHoldings":["Westpac 45 Day Wholesale Notice Deposit 15.94%","Nzd Cash Call Account (Bnz Bank) 14.24%","Port Of Tauranga Ltd Commercial Paper 24/02/2026 2.89%"],"desc":"The Fund's objective is to target a return above the New Zealand Official Cash Rate after the base fund fee but before tax.\r\n\r\n\r\n\r\nIt primarily invests in New Zealand cash, short-dated debt securities and term deposits.","invests":"new zealand fixed interest 80%, cash and cash equivalents 19%","annual":{"2021":0.3,"2022":0.5,"2023":2.3,"2024":4.1,"2025":3.7},"holdings":[{"name":"Westpac 45 Day Wholesale Notice Deposit","pct":15.9},{"name":"Nzd Cash Call Account (Bnz Bank)","pct":14.2},{"name":"Port Of Tauranga Ltd Commercial Paper 24/02/2026","pct":2.9},{"name":"Nzd Cash Current Account (Hsbc)","pct":2.4},{"name":"Spark Finance Ltd Commercial Paper 19/02/2026","pct":2.4},{"name":"Port Of Tauranga Ltd Commercial Paper 17/03/2026","pct":2.4},{"name":"Nzd Cash Call Account (Bank Of China)","pct":2.3},{"name":"Port Of Tauranga Ltd Commercial Paper 27/01/2026","pct":2.2},{"name":"Port Of Tauranga Ltd Commercial Paper 02/02/2026","pct":2.1},{"name":"Kiwibank Ltd 2.77% 23/03/2026","pct":1.9}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Milford Kiwisaver Conservative Fund","tag":"Active Balanced","letter":"M","color":"#001e40","provider":"Milford","r1":5.4,"r3":4,"r5":3.5,"fee":0.87,"inception":"2012","benchmark":"The market index return is the benchmark asset allocation weighted benchmark index return, as def...","topHoldings":["Nzd Cash Current Account (Hsbc) 10.07%","New Zealand Government 4.5% 15/05/2035 4.35%","New Zealand Local Government Funding Agency Ltd 3.5% 14/04/2033 1.92%"],"desc":"The Fund’s objective is to provide moderate returns and protect capital after the base fund fee but before tax over the minimum recommended investment timeframe of three years.\r\n\r\n\r\n\r\nIt is a diversified fund that primarily invests in fixed interest securities, with a moderate allocation to equit...","invests":"international fixed interest 33%, new zealand fixed interest 29%, cash and cash equivalents 16%, international equities 11%","annual":{"2016":3.1,"2017":5.5,"2018":4.5,"2019":4.4,"2020":1,"2021":8.5,"2022":-0.9,"2023":0.3,"2024":6.2,"2025":5.5},"holdings":[{"name":"Nzd Cash Current Account (Hsbc)","pct":10.1},{"name":"New Zealand Government 4.5% 15/05/2035","pct":4.3},{"name":"New Zealand Local Government Funding Agency Ltd 3.5% 14/04/2033","pct":1.9},{"name":"New Zealand Government 1.5% 15/05/2031","pct":1.7},{"name":"Nzd Cash Call Account (Bank Of China)","pct":1.4},{"name":"New Zealand Local Government Funding Agency Ltd 2.25% 15/05/2031","pct":1.1},{"name":"Housing New Zealand Ltd 3.42% 18/10/2028","pct":1},{"name":"New Zealand Local Government Funding Agency Ltd 4.5% 15/05/2030","pct":1},{"name":"Natwest Group Plc 5.026% 12/06/2029","pct":0.9},{"name":"New Zealand Government 3.5% 14/04/2033","pct":0.9}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Milford Kiwisaver Moderate Fund","tag":"Active Balanced","letter":"M","color":"#001e40","provider":"Milford","r1":6.8,"r3":4.4,"r5":5,"fee":0.95,"inception":"2020","benchmark":"The market index return is the benchmark asset allocation weighted benchmark index return, as def...","topHoldings":["Nzd Cash Current Account (Hsbc) 10.09%","New Zealand Government 4.5% 15/05/2035 3.0%","New Zealand Local Government Funding Agency Ltd 3.5% 14/04/2033 1.3%"],"desc":"The Fund’s objective is to provide moderate returns and capital growth, after the base fund fee but before tax and before the performance fee, over the minimum recommended investment timeframe of four years.\r\n\r\n\r\n\r\nIt is a diversified fund that primarily invests in fixed interest securities with ...","invests":"international fixed interest 26%, international equities 23%, new zealand fixed interest 20%, australasian equities 13%","annual":{"2021":14.8,"2022":1.9,"2023":0.1,"2024":8.1,"2025":4.9},"holdings":[{"name":"Nzd Cash Current Account (Hsbc)","pct":10.1},{"name":"New Zealand Government 4.5% 15/05/2035","pct":3},{"name":"New Zealand Local Government Funding Agency Ltd 3.5% 14/04/2033","pct":1.3},{"name":"Nzd Cash Call Account (Bnz Bank)","pct":1},{"name":"Microsoft Corporation","pct":1},{"name":"Natwest Group Plc","pct":1},{"name":"New Zealand Government 1.5% 15/05/2031","pct":0.9},{"name":"Sse Plc","pct":0.9},{"name":"National Grid Plc","pct":0.9},{"name":"New Zealand Government 3.5% 14/04/2033","pct":0.8}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Aggressive Fund","tag":"Active Balanced","letter":"A","color":"#006650","provider":"ASB","r1":14.4,"r3":null,"r5":0,"fee":0.75,"inception":"2023","benchmark":"The market index return is calculated using the market index for each asset class and the target ...","topHoldings":["Nvidia Corp 3.88%","Apple Inc 3.01%","Microsoft Corp 2.66%"],"desc":"To provide the highest total returns of the Funds allowing for the largest movements of value up and down. The number of years with negative returns are generally expected to be the highest of the funds in the ASB KiwiSaver Scheme. We manage asset allocation and currency hedging over the medium t...","invests":"international equities 70%, australasian equities 20%","annual":{"2025":7},"holdings":[{"name":"Nvidia Corp","pct":3.9},{"name":"Apple Inc","pct":3},{"name":"Microsoft Corp","pct":2.7},{"name":"Fisher & Paykel Healthcare","pct":2.1},{"name":"Alphabet Inc Cap Cl C","pct":1.6},{"name":"Amazon Com Inc","pct":1.6},{"name":"Asb Bank Account Nzd","pct":1.5},{"name":"Auckland International Airport Ltd","pct":1.4},{"name":"Taiwan Semicon Manufacturing Co Ltd","pct":1.4},{"name":"Tesla Inc","pct":1.3}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Balanced Fund","tag":"Active Balanced","letter":"A","color":"#006650","provider":"ASB","r1":10.9,"r3":5.2,"r5":6.3,"fee":0.65,"inception":"2007","benchmark":"The market index return is calculated using the market index for each asset class and the target ...","topHoldings":["Nvidia Corp 2.17%","Apple Inc 1.68%","Fisher & Paykel Healthcare 1.6%"],"desc":"To provide moderate to high total returns allowing for moderate to high movements of value up and down. The number of years with negative returns are generally expected to be higher than the Moderate Fund but lower than the Growth Fund in the ASB KiwiSaver Scheme. We manage asset allocation and c...","invests":"international equities 40%, new zealand fixed interest 22%, international fixed interest 17%, australasian equities 15%","annual":{"2016":3.5,"2017":7.8,"2018":6.8,"2019":7,"2020":-3.2,"2021":19.9,"2022":0.5,"2023":-1.9,"2024":11.6,"2025":6},"holdings":[{"name":"Nvidia Corp","pct":2.2},{"name":"Apple Inc","pct":1.7},{"name":"Fisher & Paykel Healthcare","pct":1.6},{"name":"New Zealand Govt 200935 2.50 Indexed Bond","pct":1.5},{"name":"Microsoft Corp","pct":1.5},{"name":"Asb Bank Account Nzd","pct":1.4},{"name":"New Zealand Government 200429 3.0 Gb","pct":1.4},{"name":"New Zealand Government 150530 4.50 Gb","pct":1.1},{"name":"New Zealand Government 150427 4.50 Gb","pct":1.1},{"name":"Auckland International Airport Ltd","pct":1.1}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Conservative Fund","tag":"Passive Balanced","letter":"A","color":"#006650","provider":"ASB","r1":7.6,"r3":3.3,"r5":3,"fee":0.4,"inception":"2007","benchmark":"The market index return is calculated using the market index for each asset class and the target ...","topHoldings":["Westpac Deposit Acc 6.04%","Bnz Deposit Acc 4.17%","New Zealand Govt 200935 2.50 Indexed Bond 1.92%"],"desc":"To provide modest total returns allowing for modest movements of value up and down. The number of years with negative returns are generally expected to be higher than the NZ Cash Fund but lower than the Moderate Fund in the ASB KiwiSaver Scheme. 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8%","annual":{"2023":-3,"2024":16,"2025":3.8},"holdings":[{"name":"Nvidia Corp","pct":2.5},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":2.5},{"name":"Apple Inc","pct":2.3},{"name":"Microsoft Corporation","pct":2.2},{"name":"Nz Cash (Bnz Bank Trust Account)","pct":2},{"name":"Auckland International Airport Limited","pct":1.6},{"name":"Amazon.Com Inc","pct":1.5},{"name":"Alphabet Inc (Class C)","pct":1.5},{"name":"Infratil Limited","pct":1.3},{"name":"Mercury Nz Limited","pct":1}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Socially Responsible High Growth Fund","tag":"Active Growth","letter":"B","color":"#005a5a","provider":"Booster","r1":10.6,"r3":7.2,"r5":9,"fee":1.23,"inception":"2010","benchmark":"The market index return is based on the weighted average return of the market indices used in res...","topHoldings":["Nvidia Corp 3.2%","Fisher & Paykel Healthcare Corporation Limited 3.07%","Apple Inc 2.93%"],"desc":"The Socially Responsible High Growth Fund is suited to investors who seek potentially higher returns on average over long term periods (ten years plus), allowing for short to medium term ups and downs, whilst excluding investments which do not satisfy certain socially responsible investment crite...","invests":"international equities 66%, australasian equities 24%","annual":{"2016":4.2,"2017":8.9,"2018":8,"2019":8.9,"2020":2.1,"2021":30.8,"2022":4.7,"2023":-2.8,"2024":20.1,"2025":4.3},"holdings":[{"name":"Nvidia Corp","pct":3.2},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":3.1},{"name":"Apple Inc","pct":2.9},{"name":"Microsoft Corporation","pct":2.9},{"name":"Auckland International Airport Limited","pct":2},{"name":"Amazon.Com Inc","pct":1.9},{"name":"Alphabet Inc (Class C)","pct":1.9},{"name":"Infratil Limited","pct":1.6},{"name":"Nz Cash (Bnz Bank Trust Account)","pct":1.5},{"name":"Alphabet Inc (Class A)","pct":1.2}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Socially Responsible Moderate 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We aim ...","invests":"international fixed interest 27%, new zealand fixed interest 25%, international equities 22%, cash and cash equivalents 13%","annual":{"2021":9.8,"2022":-0.2,"2023":-2.6,"2024":7.4,"2025":3.3},"holdings":[{"name":"Nz Cash (Bnz Bank Trust Account)","pct":3.4},{"name":"Nz Govt Stock 4.5% 15/04/2027","pct":2.1},{"name":"Nz Govt Stock 3.50% 14/04/2033","pct":1.4},{"name":"Nz Govt Stock 0.50% 15/05/2026","pct":1.4},{"name":"Infratil Infrastructure Bonds 7.06% 17/12/2031","pct":1.3},{"name":"Nz Govt Stock Green 4.25% 15/05/2034","pct":1.2},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":1.1},{"name":"Bank Of New Zealand Bond 5.872% 01/09/2028","pct":1.1},{"name":"Bnz Bank Bill 26/01/2026","pct":1.1},{"name":"Nvidia Corp","pct":1.1}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Balanced Fund","tag":"Active Balanced","letter":"C","color":"#1a237e","provider":"Christian","r1":5.9,"r3":4.3,"r5":6.8,"fee":1.35,"inception":"2007","benchmark":"The market index on which the market index annual returns are based is a composite index comprisi...","topHoldings":["Pimco Global Bond Esg Fund 9.95%","Pimco Gis Global Bond Fund 6.75%","Legg Mason Brandywine Gofi 3.69%"],"desc":"The Balanced Fund has a similar level of exposures to both growth assets (principally equities but also alternative assets comprising forests, forest land, smart energy and private equity) and income assets (fixed interest, mortgages and cash). It is designed to have a medium risk profile and to ...","invests":"international equities 26%, international fixed interest 20%, new zealand fixed interest 18%, australasian equities 13%","annual":{"2016":3.2,"2017":7.2,"2018":3.6,"2019":6.3,"2020":0,"2021":14.1,"2022":3.9,"2023":-1.1,"2024":8.5,"2025":5.5},"holdings":[{"name":"Pimco Global Bond Esg Fund","pct":9.9},{"name":"Pimco Gis Global Bond Fund","pct":6.8},{"name":"Legg Mason Brandywine Gofi","pct":3.7},{"name":"Hawkes Bay Forest And Land","pct":2.7},{"name":"Apple Computer","pct":2.3},{"name":"Crown Global Opportunities Vii Plc","pct":2.2},{"name":"Crown Global Opportunities Vi Plc Fund","pct":2.1},{"name":"Anz-Bank Accounts","pct":2},{"name":"Microsoft","pct":1.5},{"name":"Direct Capital Vi Lp","pct":1.1}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Growth Fund","tag":"Active Balanced","letter":"C","color":"#1a237e","provider":"Christian","r1":6.5,"r3":5.6,"r5":9.6,"fee":1.5,"inception":"2007","benchmark":"The market index on which the market index annual returns are based is a composite index comprisi...","topHoldings":["Pimco Global Bond Esg Fund 4.83%","Hawkes Bay Forest And Land 3.96%","Apple Computer 3.57%"],"desc":"The Fund invests mainly in growth assets such as equities and alternative assets (comprising forests, forest land, smart energy and private equity). It has a small exposure to fixed interest, mortgages and cash. It is designed to have a medium to high risk profile and to appeal to investors with ...","invests":"international equities 40%, australasian equities 20%, other 14%, international fixed interest 10%","annual":{"2016":4,"2017":10.2,"2018":4.6,"2019":9.3,"2020":-0.9,"2021":20.7,"2022":7.3,"2023":-0.6,"2024":11.2,"2025":6.4},"holdings":[{"name":"Pimco Global Bond Esg Fund","pct":4.8},{"name":"Hawkes Bay Forest And Land","pct":4},{"name":"Apple Computer","pct":3.6},{"name":"Pimco Gis Global Bond Fund","pct":3.3},{"name":"Crown Global Opportunities Vii Plc","pct":3.2},{"name":"Crown Global Opportunities Vi Plc Fund","pct":3.1},{"name":"Microsoft","pct":2.2},{"name":"Legg Mason Brandywine Gofi","pct":1.8},{"name":"Direct Capital Vi Lp","pct":1.6},{"name":"Fisher & Paykel Healthcare","pct":1.5}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Income Fund","tag":"Active Balanced","letter":"C","color":"#1a237e","provider":"Christian","r1":4.7,"r3":2.4,"r5":1.6,"fee":0.8,"inception":"2012","benchmark":"The market index on which the market index annual returns are based is a composite index comprisi...","topHoldings":["Pimco Global Bond Esg Fund 20.43%","Pimco Gis Global Bond Fund 13.87%","Legg Mason Brandywine Gofi 7.59%"],"desc":"The Income Fund invests solely in income assets (fixed interest, mortgages and cash). It is designed to have a low risk profile and to appeal to investors close to retirement (who consider they may not have enough time to ride out investment highs or lows) or are more risk averse.","invests":"international fixed interest 42%, new zealand fixed interest 31%, cash and cash equivalents 27%","annual":{"2016":2.1,"2017":2.1,"2018":1.8,"2019":1.4,"2020":1.2,"2021":2.5,"2022":-2.1,"2023":-1.9,"2024":4.7,"2025":4.3},"holdings":[{"name":"Pimco Global Bond Esg Fund","pct":20.4},{"name":"Pimco Gis Global Bond Fund","pct":13.9},{"name":"Legg Mason Brandywine Gofi","pct":7.6},{"name":"Anz-Bank Accounts","pct":4.1},{"name":"Nz Government Stock - 15/05/34","pct":1.8},{"name":"Bnz/Nab Bank Account","pct":1.7},{"name":"Westpac Bank Account","pct":1.2},{"name":"Asb Term Deposit - 15/05/25","pct":1.2},{"name":"Asb Term Deposit - 19/09/25","pct":1.2},{"name":"Asb Term Deposit - 19/12/25","pct":1.2}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Australasian Property Fund","tag":"Active Growth","letter":"A","color":"#003366","provider":"ANZ","r1":10.5,"r3":-7.2,"r5":-1.9,"fee":1.01,"inception":"2007","benchmark":"The market index return is currently based on the return of the 50% S&P/NZX All Real Estate (Indu...","topHoldings":["Goodman Group 18.2%","Goodman Property Trust 11.55%","Precinct Properties Group 7.63%"],"desc":"The Australasian Property Fund invests mainly in New Zealand and Australian listed property assets. Investments may include companies, funds or trusts that invest in property and are listed or intend to list, and cash and cash equivalents. The Australasian Property Fund aims to achieve a return (...","invests":"listed property 100%","annual":{"2016":14,"2017":0.8,"2018":5.8,"2019":19.8,"2020":-7.1,"2021":32.1,"2022":0.5,"2023":-16.7,"2024":2.9,"2025":-7.9},"holdings":[{"name":"Goodman Group","pct":18.2},{"name":"Goodman Property Trust","pct":11.6},{"name":"Precinct Properties Group","pct":7.6},{"name":"Kiwi Income Property Trust","pct":7.3},{"name":"Scentre Group","pct":6},{"name":"Stride Stapled Group","pct":5.7},{"name":"Property For Industry Ltd","pct":4.8},{"name":"Vital Healthcare Property Trust","pct":4.5},{"name":"Gpt Group Limited","pct":3},{"name":"Vicinity Centers","pct":2.7}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Australasian Share Fund","tag":"Active Growth","letter":"A","color":"#003366","provider":"ANZ","r1":2.5,"r3":0.7,"r5":1.2,"fee":0.99,"inception":"2007","benchmark":"The market index annual return shows the return of the S&P/NZX50 Gross Index (with imputation cre...","topHoldings":["Fisher And Paykel Healthcare 14.94%","Auckland International Airport 9.19%","Infratil Ltd 8.28%"],"desc":"The Australasian Share Fund invests mainly in New Zealand and Australian equities. Investments may include equities in companies that are listed or intend to list on the New Zealand or Australian stock exchanges, and cash and cash equivalents. The Australasian Share Fund aims to achieve a return ...","invests":"australasian equities 100%","annual":{"2016":12.2,"2017":5,"2018":12.7,"2019":16.8,"2020":0.3,"2021":27.8,"2022":-4.4,"2023":-1.6,"2024":2.9,"2025":1},"holdings":[{"name":"Fisher And Paykel Healthcare","pct":14.9},{"name":"Auckland International Airport","pct":9.2},{"name":"Infratil Ltd","pct":8.3},{"name":"Contact Energy Ltd","pct":7.5},{"name":"Mainfreight Ltd","pct":5.5},{"name":"Ebos Group Ltd","pct":5.4},{"name":"Meridian Energy Ltd","pct":4.4},{"name":"The A2 Milk Company Limited","pct":4.1},{"name":"Vector Limited","pct":4},{"name":"Fletcher Building Ltd","pct":3.7}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Balanced Fund","tag":"Active Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":8.5,"r3":2.3,"r5":4.1,"fee":0.88,"inception":"2007","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Nvidia Corporation 1.14%","Fisher And Paykel Healthcare 1.05%","Apple Inc 1.04%"],"desc":"The Balanced Fund invests in similar amounts of income assets (cash and cash equivalents and fixed interest) and growth assets (equities, listed property and listed infrastructure). The fund may also invest in alternative assets. The Balanced Fund aims to achieve (after the fund charge and before...","invests":"international equities 34%, international fixed interest 31%, new zealand fixed interest 11%, australasian equities 10%","annual":{"2016":3.8,"2017":5.1,"2018":5.3,"2019":5.9,"2020":-1.5,"2021":18,"2022":1.9,"2023":-3.4,"2024":7.5,"2025":2.7},"holdings":[{"name":"Nvidia Corporation","pct":1.1},{"name":"Fisher And Paykel Healthcare","pct":1.1},{"name":"Apple Inc","pct":1},{"name":"Federal National Mortgage Association 150244 0.00 Tba","pct":1},{"name":"Ishares Core S&P 500 Etf","pct":0.8},{"name":"Westpac Banking Registered Certificate Of Deposit 01/04/2026","pct":0.7},{"name":"Fnma 30Yr Conv Loan 130354 6.50 Tba","pct":0.7},{"name":"Microsoft Corporation","pct":0.7},{"name":"Auckland International Airport","pct":0.6},{"name":"Nz Government Stock 15/05/2035 4.50%","pct":0.6}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Balanced Growth Fund","tag":"Active Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":9.8,"r3":2.6,"r5":5.2,"fee":0.92,"inception":"2007","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Nvidia Corporation 1.49%","Fisher And Paykel Healthcare 1.37%","Apple Inc 1.35%"],"desc":"The Balanced Growth Fund invests mainly in growth assets (equities, listed property and listed infrastructure), with some exposure to income assets (cash and cash equivalents and fixed interest). The fund may also invest in alternative assets. The Balanced Growth Fund aims to achieve (after the f...","invests":"international equities 45%, international fixed interest 22%, australasian equities 13%, new zealand fixed interest 8%","annual":{"2016":3.8,"2017":6.5,"2018":6.4,"2019":6.8,"2020":-3.3,"2021":23.6,"2022":3.2,"2023":-3.7,"2024":9,"2025":2.5},"holdings":[{"name":"Nvidia Corporation","pct":1.5},{"name":"Fisher And Paykel Healthcare","pct":1.4},{"name":"Apple Inc","pct":1.4},{"name":"Ishares Core S&P 500 Etf","pct":1.1},{"name":"Auckland International Airport","pct":0.8},{"name":"Microsoft Corporation","pct":0.8},{"name":"Infratil Ltd","pct":0.8},{"name":"Federal National Mortgage Association 150244 0.00 Tba","pct":0.7},{"name":"Contact Energy Ltd","pct":0.7},{"name":"Federal National Mortgage Association 150253 6.5 Tba","pct":0.7}]},{"type":"kiwisaver","risk":"conservative","rn":2,"name":"Cash Fund","tag":"Passive Conservative","letter":"A","color":"#003366","provider":"ANZ","r1":3.7,"r3":3.4,"r5":3.5,"fee":0.22,"inception":"2007","benchmark":"The market index annual return is currently based on the return of the S&P/NZX Call Rate Deposit ...","topHoldings":["Westpac Banking Registered Certificate Of Deposit 01/04/2026 6.08%","Westpac Banking Nz Floating Rate Note 06/07/2026 4.97%","Rabobank Nederland Nz Floating Rate Note 05/04/2027 3.86%"],"desc":"The Cash Fund invests in cash and cash equivalents. These may include investments issued by New Zealand and Australian registered banks, governments, corporations or local authorities. The Cash Fund aims to achieve (after the fund charge and before tax) over the short term lower but stable return...","invests":"cash and cash equivalents 100%","annual":{"2016":2.1,"2017":1.6,"2018":1.5,"2019":1.6,"2020":1.3,"2021":0.6,"2022":0.4,"2023":2.3,"2024":4.1,"2025":3.8},"holdings":[{"name":"Westpac Banking Registered Certificate Of Deposit 01/04/2026","pct":6.1},{"name":"Westpac Banking Nz Floating Rate Note 06/07/2026","pct":5},{"name":"Rabobank Nederland Nz Floating Rate Note 05/04/2027","pct":3.9},{"name":"Bnz Floating Rate Note 19/11/2027","pct":3.5},{"name":"Asb Term Deposit 08/04/2026 3.60%","pct":3.5},{"name":"Asb Bank Floating Rate Note 18/10/2027","pct":3.2},{"name":"Anz Registered Certificate Of Deposit 26/03/2026","pct":3},{"name":"Rabobank Floating Rate Note 08/12/2026","pct":3},{"name":"Westpac Banking Term Deposit 04/02/2026 3.53%","pct":2.3},{"name":"Bnz Floating Rate Note 23/11/2026","pct":2.3}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Conservative Balanced Fund","tag":"Active Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":6.7,"r3":2,"r5":3,"fee":0.73,"inception":"2007","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Federal National Mortgage Association 150244 0.00 Tba 1.19%","Westpac Banking Registered Certificate Of Deposit 01/04/2026 0.94%","Nvidia Corporation 0.85%"],"desc":"The Conservative Balanced Fund invests mainly in income assets (cash and cash equivalents and fixed interest), with some exposure to growth assets (equities, listed property and listed infrastructure). The fund may also invest in alternative assets. The Conservative Balanced Fund aims to achieve ...","invests":"international fixed interest 40%, international equities 23%, new zealand fixed interest 13%, cash and cash equivalents 12%","annual":{"2016":3.5,"2017":3.7,"2018":4.2,"2019":5,"2020":0.2,"2021":12.7,"2022":0.9,"2023":-3,"2024":6.1,"2025":2.7},"holdings":[{"name":"Federal National Mortgage Association 150244 0.00 Tba","pct":1.2},{"name":"Westpac Banking Registered Certificate Of Deposit 01/04/2026","pct":0.9},{"name":"Nvidia Corporation","pct":0.8},{"name":"Fnma 30Yr Conv Loan 130354 6.50 Tba","pct":0.8},{"name":"Westpac Banking Nz Floating Rate Note 06/07/2026","pct":0.8},{"name":"Nz Government Stock 15/05/2035 4.50%","pct":0.8},{"name":"Apple Inc","pct":0.8},{"name":"Fisher And Paykel Healthcare","pct":0.7},{"name":"Nz Government Bond 15/05/2034 4.25%","pct":0.7},{"name":"Fnma 30Yr Conventional Tba 150336 6.00","pct":0.6}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Conservative Fund","tag":"Active Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":5.6,"r3":1.8,"r5":2.1,"fee":0.6,"inception":"2007","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Federal National Mortgage Association 150244 0.00 Tba 1.42%","Westpac Banking Registered Certificate Of Deposit 01/04/2026 1.11%","Fnma 30Yr Conv Loan 130354 6.50 Tba 1.04%"],"desc":"The Conservative Fund invests mainly in income assets (cash and cash equivalents and fixed interest), with a smaller exposure to growth assets (equities, listed property and listed infrastructure). The fund may also invest in alternative assets. The Conservative Fund aims to achieve (after the fu...","invests":"international fixed interest 48%, new zealand fixed interest 17%, cash and cash equivalents 15%, international equities 13%","annual":{"2016":3.4,"2017":2.4,"2018":3.1,"2019":4,"2020":1.9,"2021":7.3,"2022":-0.4,"2023":-2.4,"2024":4.7,"2025":3},"holdings":[{"name":"Federal National Mortgage Association 150244 0.00 Tba","pct":1.4},{"name":"Westpac Banking Registered Certificate Of Deposit 01/04/2026","pct":1.1},{"name":"Fnma 30Yr Conv Loan 130354 6.50 Tba","pct":1},{"name":"Nz Government Stock 15/05/2035 4.50%","pct":1},{"name":"Westpac Banking Nz Floating Rate Note 06/07/2026","pct":0.9},{"name":"Nz Government Bond 15/05/2034 4.25%","pct":0.8},{"name":"Fnma 30Yr Conventional Tba 150336 6.00","pct":0.8},{"name":"Nz Government Bond 14/04/2033 3.50%","pct":0.7},{"name":"Nz Government Bond 15/05/2032 2%","pct":0.7},{"name":"Rabobank Nederland Nz Floating Rate Note 05/04/2027","pct":0.7}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Growth Fund","tag":"Active Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":11.2,"r3":3,"r5":6.3,"fee":0.96,"inception":"2007","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Nvidia Corporation 1.82%","Fisher And Paykel Healthcare 1.7%","Apple Inc 1.65%"],"desc":"The Growth Fund invests mainly in growth assets (equities, listed property and listed infrastructure), with a small exposure to income assets (cash and cash equivalents and fixed interest). The fund may also invest in alternative assets. The Growth Fund aims to achieve (after the fund charge and ...","invests":"international equities 55%, australasian equities 16%, international fixed interest 13%, listed property 6%","annual":{"2016":4,"2017":7.9,"2018":7.6,"2019":7.5,"2020":-5.3,"2021":29.6,"2022":4.3,"2023":-4,"2024":10.6,"2025":2.4},"holdings":[{"name":"Nvidia Corporation","pct":1.8},{"name":"Fisher And Paykel Healthcare","pct":1.7},{"name":"Apple Inc","pct":1.6},{"name":"Ishares Core S&P 500 Etf","pct":1.3},{"name":"Auckland International Airport","pct":1.1},{"name":"Microsoft Corporation","pct":1},{"name":"Infratil Ltd","pct":0.9},{"name":"Contact Energy Ltd","pct":0.9},{"name":"Federal National Mortgage Association 150253 6.5 Tba","pct":0.8},{"name":"Goodman Group","pct":0.8}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"High Growth Fund","tag":"Active Growth","letter":"A","color":"#003366","provider":"ANZ","r1":12.5,"r3":null,"r5":null,"fee":0.95,"inception":"2023","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Nvidia Corporation 2.17%","Fisher And Paykel Healthcare 1.98%","Apple Inc 1.96%"],"desc":"The High Growth Fund invests in growth assets (equities, listed property and listed infrastructure), with a very small exposure to income assets (cash and cash equivalents and fixed interest). The fund may also invest in alternative assets. The High Growth Fund aims to achieve (after the fund cha...","invests":"international equities 65%, australasian equities 19%, listed property 7%","annual":{"2025":2.6},"holdings":[{"name":"Nvidia Corporation","pct":2.2},{"name":"Fisher And Paykel Healthcare","pct":2},{"name":"Apple Inc","pct":2},{"name":"Ishares Core S&P 500 Etf","pct":1.6},{"name":"Microsoft Corporation","pct":1.2},{"name":"Auckland International Airport","pct":1.2},{"name":"Infratil Ltd","pct":1.1},{"name":"Contact Energy Ltd","pct":1},{"name":"Goodman Group","pct":0.9},{"name":"Alphabet Inc Capital Stock Class A","pct":0.9}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"International Fixed Interest Fund","tag":"Passive Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":4,"r3":0,"r5":-1.3,"fee":0.49,"inception":"2007","benchmark":"The market index annual return is calculated using the return of the Bloomberg Barclays Global Ag...","topHoldings":["Federal National Mortgage Association 150244 0.00 Tba - Us01F0506273 3.43%","Fnma 30Yr Conv Loan 130354 6.50 Tba 2.55%","Fnma 30Yr Conventional Tba 150336 6.00 1.89%"],"desc":"The International Fixed Interest Fund invests mainly in international fixed interest assets. Investment may include fixed interest assets issued by governments or international companies, and cash and cash equivalents. The International Fixed Interest Fund aims to achieve a return (after the fund...","invests":"international fixed interest 100%","annual":{"2016":3,"2017":0.4,"2018":1.2,"2019":3,"2020":5.7,"2021":-0.5,"2022":-3.5,"2023":-5,"2024":2.4,"2025":2.5},"holdings":[{"name":"Federal National Mortgage Association 150244 0.00 Tba - Us01F0506273","pct":3.4},{"name":"Fnma 30Yr Conv Loan 130354 6.50 Tba","pct":2.5},{"name":"Fnma 30Yr Conventional Tba 150336 6.00","pct":1.9},{"name":"Government National Mortgage Association 2 150244 0.0 Tba","pct":1.1},{"name":"Government National Mortgage Association 2 150144 0.00 Tba","pct":1},{"name":"Government National Mortgage Association 2 200853 6.25 Tba","pct":0.9},{"name":"United Kingdom Gilt 070330 4.375 Govt. Bond","pct":0.8},{"name":"Us Treasury Nb 151154 4.50 Govt. Bond","pct":0.8},{"name":"Federal National Mortgage Association 150244 0.00 Tba - Us01F0526230","pct":0.8},{"name":"Federal National Mortgage Association 150253 6.5 Tba","pct":0.7}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"International Property Fund","tag":"Active Growth","letter":"A","color":"#003366","provider":"ANZ","r1":5.5,"r3":-2.4,"r5":3.7,"fee":0.99,"inception":"2007","benchmark":"The market index annual return shows the return of the FTSE EPRA Nareit Developed Rental Net Tota...","topHoldings":["Welltower Inc 8.94%","Equinix Inc 5.96%","Ventas Inc 5.82%"],"desc":"The International Property Fund invests mainly in international listed property assets. Investments may include companies, funds or trusts that invest in property and are listed or are soon to be listed, and cash and cash equivalents. The International Property Fund aims to achieve a return (afte...","invests":"listed property 100%","annual":{"2016":2.9,"2017":-2.2,"2018":0.1,"2019":14.6,"2020":-12.7,"2021":16,"2022":21.2,"2023":-21.6,"2024":9.2,"2025":5.2},"holdings":[{"name":"Welltower Inc","pct":8.9},{"name":"Equinix Inc","pct":6},{"name":"Ventas Inc","pct":5.8},{"name":"Prologis Inc","pct":5.7},{"name":"Simon Property Group Inc","pct":5.2},{"name":"Federal Realty Investment Trust","pct":4.4},{"name":"Digital Realty Trust Inc","pct":4.2},{"name":"Unibail Rodamco Westfield","pct":4},{"name":"Extra Space Storage Inc","pct":3.8},{"name":"Scentre Group","pct":3.1}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"International Share Fund","tag":"Active Growth","letter":"A","color":"#003366","provider":"ANZ","r1":15.9,"r3":8.2,"r5":11.6,"fee":0.96,"inception":"2007","benchmark":"The market index annual return shows the return of the MSCI All Countries (AC) World ex Australia...","topHoldings":["Nvidia Corporation 3.24%","Apple Inc 2.93%","Ishares Core S&P 500 Etf 2.37%"],"desc":"The International Share Fund invests mainly in international equities. Investments may include equities in companies that are listed or are soon to be listed on a stock exchange, and cash and cash equivalents. The International Share Fund aims to achieve a return (after the fund charge and before...","invests":"international equities 100%","annual":{"2016":5.1,"2017":11.9,"2018":11.5,"2019":8.2,"2020":1.1,"2021":31.5,"2022":3.2,"2023":1.8,"2024":18.3,"2025":4.5},"holdings":[{"name":"Nvidia Corporation","pct":3.2},{"name":"Apple Inc","pct":2.9},{"name":"Ishares Core S&P 500 Etf","pct":2.4},{"name":"Microsoft Corporation","pct":1.8},{"name":"Alphabet Inc Capital Stock Class A","pct":1.3},{"name":"Taiwan Semicon Manufacturing Co Ltd","pct":1.3},{"name":"Amazon Com Inc","pct":1.2},{"name":"Federal National Mortgage Association 150244 0.0 Tba","pct":1.2},{"name":"Federal National Mortgage Association 150253 6.5 Tba","pct":1.2},{"name":"Novartis Ag","pct":1.1}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"New Zealand Fixed Interest Fund","tag":"Passive Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":4.8,"r3":2,"r5":0.6,"fee":0.34,"inception":"2007","benchmark":"The market index return is currently based on the return of the Bloomberg NZ Bond Composite 0+ Ye...","topHoldings":["Nz Government Stock 15/05/2035 4.50% 6.78%","Nz Government Bond 15/05/2034 4.25% 5.85%","Nz Government Bond 14/04/2033 3.50% 5.12%"],"desc":"The New Zealand Fixed Interest Fund invests mainly in New Zealand fixed interest assets. Investments may include fixed interest assets in New Zealand dollars, or issued by New Zealand located or incorporated entities and hedged back to New Zealand dollars, and cash and cash equivalents. 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Investments may include equities in companies that are listed on a recognised stock exchange, and cash and cash equivalents. The Select Internati...","invests":"international equities 100%","annual":{"2016":1.6,"2017":7.7,"2018":8.1,"2019":8.4,"2020":13.3,"2021":35.6,"2022":11.7,"2023":2.2,"2024":27.3,"2025":9},"holdings":[{"name":"Nvidia Corporation","pct":6.1},{"name":"Apple Inc","pct":5.5},{"name":"Alphabet Inc Capital Stock Class A","pct":4.9},{"name":"Microsoft Corporation","pct":3.6},{"name":"Broadcom Ord Shs","pct":2.5},{"name":"Amazon Com Inc","pct":2.3},{"name":"Jp Morgan Chase & Co","pct":1.8},{"name":"Meta Platforms Inc","pct":1.3},{"name":"Abbvie Inc Com","pct":1.1},{"name":"Tesla Inc","pct":1.1}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Balanced Fund","tag":"Active Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":8.5,"r3":2.3,"r5":4.1,"fee":0.88,"inception":"2007","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Nvidia Corporation 1.14%","Fisher And Paykel Healthcare 1.05%","Apple Inc 1.04%"],"desc":"The Balanced Fund invests in similar amounts of income assets (cash and cash equivalents and fixed interest) and growth assets (equities, listed property and listed infrastructure). The fund may also invest in alternative assets. 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The fund may also invest in alternative assets. The Balanced Growth Fund aims to achieve (after the f...","invests":"international equities 45%, international fixed interest 22%, australasian equities 13%, new zealand fixed interest 8%","annual":{"2016":3.9,"2017":6.5,"2018":6.4,"2019":6.7,"2020":-3.3,"2021":23.6,"2022":3.2,"2023":-3.7,"2024":9,"2025":2.5},"holdings":[{"name":"Nvidia Corporation","pct":1.5},{"name":"Fisher And Paykel Healthcare","pct":1.4},{"name":"Apple Inc","pct":1.4},{"name":"Ishares Core S&P 500 Etf","pct":1.1},{"name":"Auckland International Airport","pct":0.8},{"name":"Microsoft Corporation","pct":0.8},{"name":"Infratil Ltd","pct":0.8},{"name":"Federal National Mortgage Association 150244 0.00 Tba","pct":0.7},{"name":"Federal National Mortgage Association 150253 6.5 Tba","pct":0.7},{"name":"Contact Energy Ltd","pct":0.7}]},{"type":"kiwisaver","risk":"conservative","rn":2,"name":"Cash Fund","tag":"Passive Conservative","letter":"A","color":"#003366","provider":"ANZ","r1":3.8,"r3":3.4,"r5":3.5,"fee":0.22,"inception":"2008","benchmark":"The market index return is currently based on the return of the S&P/NZX Call Rate Deposit Index. ...","topHoldings":["Westpac Banking Registered Certificate Of Deposit 01/04/2026 6.08%","Westpac Banking Nz Floating Rate Note 06/07/2026 4.97%","Rabobank Nederland Nz Floating Rate Note 05/04/2027 3.86%"],"desc":"The Cash Fund invests in cash and cash equivalents. 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The fund may also invest in alternative assets. The Conservative Balanced Fund aims to achieve ...","invests":"international fixed interest 40%, international equities 23%, new zealand fixed interest 13%, cash and cash equivalents 12%","annual":{"2016":3.6,"2017":3.7,"2018":4.1,"2019":4.9,"2020":0.2,"2021":12.7,"2022":0.9,"2023":-3,"2024":6.1,"2025":2.7},"holdings":[{"name":"Federal National Mortgage Association 150244 0.00 Tba","pct":1.2},{"name":"Westpac Banking Registered Certificate Of Deposit 01/04/2026","pct":0.9},{"name":"Fnma 30Yr Conv Loan 130354 6.50 Tba","pct":0.8},{"name":"Nvidia Corporation","pct":0.8},{"name":"Nz Government Stock 15/05/2035 4.50%","pct":0.8},{"name":"Apple Inc","pct":0.8},{"name":"Westpac Banking Nz Floating Rate Note 06/07/2026","pct":0.8},{"name":"Fisher And Paykel Healthcare","pct":0.7},{"name":"Nz Government Bond 15/05/2034 4.25%","pct":0.7},{"name":"Fnma 30Yr Conventional Tba 150336 6.00","pct":0.6}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Conservative Fund","tag":"Active Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":5.6,"r3":1.8,"r5":2.1,"fee":0.6,"inception":"2007","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Federal National Mortgage Association 150244 0.00 Tba 1.42%","Westpac Banking Registered Certificate Of Deposit 01/04/2026 1.11%","Fnma 30Yr Conv Loan 130354 6.50 Tba 1.04%"],"desc":"The Conservative Fund invests mainly in income assets (cash and cash equivalents and fixed interest), with a smaller exposure to growth assets (equities, listed property and listed infrastructure). The fund may also invest in alternative assets. The Conservative Fund aims to achieve (after the fu...","invests":"international fixed interest 48%, new zealand fixed interest 17%, cash and cash equivalents 15%, international equities 13%","annual":{"2016":3.3,"2017":2.4,"2018":3,"2019":4,"2020":1.8,"2021":7.3,"2022":-0.4,"2023":-2.4,"2024":4.7,"2025":3},"holdings":[{"name":"Federal National Mortgage Association 150244 0.00 Tba","pct":1.4},{"name":"Westpac Banking Registered Certificate Of Deposit 01/04/2026","pct":1.1},{"name":"Fnma 30Yr Conv Loan 130354 6.50 Tba","pct":1},{"name":"Nz Government Stock 15/05/2035 4.50%","pct":1},{"name":"Westpac Banking Nz Floating Rate Note 06/07/2026","pct":0.9},{"name":"Nz Government Bond 15/05/2034 4.25%","pct":0.8},{"name":"Fnma 30Yr Conventional Tba 150336 6.00","pct":0.8},{"name":"Nz Government Bond 14/04/2033 3.50%","pct":0.7},{"name":"Nz Government Bond 15/05/2032 2%","pct":0.7},{"name":"Rabobank Nederland Nz Floating Rate Note 05/04/2027","pct":0.7}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Growth Fund","tag":"Active Balanced","letter":"A","color":"#003366","provider":"ANZ","r1":11.2,"r3":3,"r5":6.3,"fee":0.96,"inception":"2007","benchmark":"The market index annual return is calculated using the target investment mix and the indices of e...","topHoldings":["Nvidia Corporation 1.82%","Fisher And Paykel Healthcare 1.7%","Apple Inc 1.65%"],"desc":"The Growth Fund invests mainly in growth assets (equities, listed property and listed infrastructure), with a small exposure to income assets (cash and cash equivalents and fixed interest). The fund may also invest in alternative assets. 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The fund may also invest in alternative assets. The High Growth Fund aims to achieve (after the fund cha...","invests":"international equities 65%, australasian equities 19%, listed property 7%","annual":{"2025":2.6},"holdings":[{"name":"Nvidia Corporation","pct":2.2},{"name":"Fisher And Paykel Healthcare","pct":2},{"name":"Apple Inc","pct":2},{"name":"Ishares Core S&P 500 Etf","pct":1.6},{"name":"Microsoft Corporation","pct":1.2},{"name":"Auckland International Airport","pct":1.2},{"name":"Infratil Ltd","pct":1.1},{"name":"Contact Energy Ltd","pct":1},{"name":"Goodman Group","pct":0.9},{"name":"Alphabet Inc Capital Stock Class A","pct":0.9}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Lifestages Auto Option Age 0 - 49","tag":"Active Growth","letter":"S","color":"#003366","provider":"SBS","r1":12,"r3":7.6,"r5":9.9,"fee":1.17,"inception":"2015","benchmark":"74% MSCI World Index in NZD (50% Hedged to NZD), 24% NZX50 Gross Index, 2% NZX NZ 90 Day Bank Bil...","topHoldings":["Dimensional Global Sustainability Pie Fund (Nzd Hedged) 29.3584%","Schroder Sustainable Gbl Core Hedge Pie 4.909%","Schroder Global Emerging Markets Fund 4.5139%"],"desc":"This life cycle investment stage is 85% invested in the SBS Wealth High Growth Fund and 15% in the SBS Wealth Focused Growth Fund, which is regarded as providing appropriate levels of risk and return for a person aged 0-49.","invests":"international equities 77%, australasian equities 18%","annual":{"2017":11.7,"2018":5.5,"2019":7.8,"2020":-8.3,"2021":32.8,"2022":3.4,"2023":-3,"2024":21,"2025":4.9},"holdings":[{"name":"Dimensional Global Sustainability Pie Fund (Nzd Hedged)","pct":29.4},{"name":"Schroder Sustainable Gbl Core Hedge Pie","pct":4.9},{"name":"Schroder Global Emerging Markets Fund","pct":4.5},{"name":"Dimensional Australian Sustainability Pie Fund","pct":4.2},{"name":"Alphabet Inc Cap Stock Class A","pct":2.8},{"name":"Nvidia Corp","pct":2.6},{"name":"Kernel Global Infrastructure (Nzd Hedged) Fund","pct":2.4},{"name":"Cash Deposit (Anz Bank)","pct":2.3},{"name":"Microsoft Corporation","pct":2.3},{"name":"Jpmorgan Chase & Co","pct":2.2}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Lifestages Auto Option Age 50 - 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Cash and cash equivalents may\nInclude cash bonds and short dated New Zealand\nFixed interest assets.","invests":"cash and cash equivalents 100%","holdings":[{"name":"Bnz Wholesale Nz Cash Fund Pie","pct":94.3},{"name":"Cash Deposit (Anz Bank)","pct":5.8}]},{"type":"kiwisaver","risk":"growth","rn":6,"name":"Sbs Wealth Focused Growth Fund","tag":"Active Growth","letter":"S","color":"#003366","provider":"SBS","r1":null,"r3":null,"r5":null,"fee":1.17,"inception":"2025","benchmark":"98% MSCI World Index in NZD (50% Hedged to NZD), 2% NZX NZ 90 Day Bank Bill Index.","topHoldings":["Alphabet Inc Cap Stock Class A 11.3352%","Nvidia Corp 7.7189%","Jpmorgan Chase & Co 7.6572%"],"desc":"The Fund aims to provide investors with a higher risk\nInvestment option that achieves capital\nGrowth over the long term. The Fund invests in a\nConcentrated selection of international equities,\nWith a small amount in cash.","invests":"international equities 97%","holdings":[{"name":"Alphabet Inc Cap Stock Class A","pct":11.3},{"name":"Nvidia Corp","pct":7.7},{"name":"Jpmorgan Chase & Co","pct":7.7},{"name":"Eli Lilly & Co","pct":7.3},{"name":"Taiwan Semiconductor Manufacturing Co","pct":6.7},{"name":"Microsoft Corporation","pct":6.4},{"name":"Schneider Electric Se","pct":6.4},{"name":"Apple Inc","pct":5.9},{"name":"Amazon.Com Inc","pct":5.7},{"name":"Visa Inc","pct":5.6}]},{"type":"kiwisaver","risk":"growth","rn":5,"name":"Sbs Wealth High Growth Fund","tag":"Active Growth","letter":"S","color":"#003366","provider":"SBS","r1":11.3,"r3":7.6,"r5":9.7,"fee":1.17,"inception":"2015","benchmark":"74% MSCI World Index in NZD (50% Hedged to NZD), 24% NZX50 Gross Index, 2% NZX NZ 90 Day Bank Bil...","topHoldings":["Dimensional Global Sustainability Pie Fund (Nzd Hedged) 34.5393%","Schroder Sustainable Gbl Core Hedge Pie 5.7753%","Schroder Global Emerging Markets Fund 5.3105%"],"desc":"The fund aims to provide investors with capital growth over the long-term, by investing primarily in a broad spread of Australasian and international equities, with a small amount held in cash.","invests":"international equities 73%, australasian equities 21%","annual":{"2017":11.7,"2018":5.5,"2019":7.8,"2020":-8.3,"2021":32.8,"2022":3.4,"2023":-3,"2024":21,"2025":4.9},"holdings":[{"name":"Dimensional Global Sustainability Pie Fund (Nzd Hedged)","pct":34.5},{"name":"Schroder Sustainable Gbl Core Hedge Pie","pct":5.8},{"name":"Schroder Global Emerging Markets Fund","pct":5.3},{"name":"Dimensional Australian Sustainability Pie Fund","pct":5},{"name":"Kernel Global Infrastructure (Nzd Hedged) Fund","pct":2.8},{"name":"Cash Deposit (Anz Bank)","pct":2.4},{"name":"Nvidia Corp","pct":1.7},{"name":"Munro Global Growth Climate Leaders Pie","pct":1.6},{"name":"Ishares Automation & Robotics Ucits Etf","pct":1.6},{"name":"Ishares Healthcare Innovation Ucits Etf","pct":1.6}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Sbs Wealth Income Fund","tag":"Active Balanced","letter":"S","color":"#003366","provider":"SBS","r1":3.7,"r3":1,"r5":0.9,"fee":0.87,"inception":"2015","benchmark":"60% Bloomberg Barclays Global Aggregate Index Hedged in NZD, 25% Bloomberg NZ Bond Composite 0+ Y...","topHoldings":["Harbour Nz Core Fixed Interest Fund 29.4843%","Dimensional Global Bond Sustainability Pie Fund 27.419%","Ishares Global Aggregate Bond Esg Ucits Etf Nzd Hedged 23.1934%"],"desc":"The fund aims to provide investors with a low-risk investment option that invests predominantly in income producing assets, the majority of these being cash and fixed interest investments. 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May be suitable for investors who want a diversified investment with exposure to shares, real assets, fixed interest and cash, who are comfortable with a hig...","invests":"international equities 42%, international fixed interest 26%, australasian equities 14%, new zealand fixed interest 11%","annual":{"2017":6.9,"2018":6.3,"2019":4.8,"2020":-3.1,"2021":17.9,"2022":1.8,"2023":-3.9,"2024":9.4,"2025":4.9},"holdings":[{"name":"Nvidia Corporation","pct":2.1},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":2.1},{"name":"Apple Inc","pct":1.9},{"name":"Microsoft Corporation","pct":1.6},{"name":"Infratil Limited","pct":1.3},{"name":"Auckland International Airport Limited","pct":1.3},{"name":"New Zealand Government Bond 3.0% 20/04/2029","pct":1.1},{"name":"New Zealand Government Bond 3.50% 14/04/2033","pct":1.1},{"name":"New Zealand Government Bond 1.50% 15/05/2031","pct":1},{"name":"Amazon.Com Inc","pct":1}]},{"type":"kiwisaver","risk":"conservative","rn":2,"name":"Cash Fund","tag":"Passive Conservative","letter":"M","color":"#1a237e","provider":"Mercer","r1":3.3,"r3":3.2,"r5":3.1,"fee":0.43,"inception":"2015","benchmark":"The market index return is the strategic asset allocation weighted benchmark index return, where ...","topHoldings":["Westpac New Zealand Limited Bond Rcd Maturing 23/02/2026 6.54%","New Zealand Local Government Funding Agency Bond 1.50% 15/04/2026 5.59%","Westpac New Zealand Limited 1.439% 24/02/2026 5.32%"],"desc":"Invests entirely in cash and short term interest bearing investments. Designed for investors who want no exposure to growth assets or where the funds may be required in the short term.","invests":"cash and cash equivalents 100%","annual":{"2017":1.4,"2018":1.3,"2019":1.3,"2020":0.9,"2021":0,"2022":0.1,"2023":2.1,"2024":3.8,"2025":3.6},"holdings":[{"name":"Westpac New Zealand Limited Bond Rcd Maturing 23/02/2026","pct":6.5},{"name":"New Zealand Local Government Funding Agency Bond 1.50% 15/04/2026","pct":5.6},{"name":"Westpac New Zealand Limited 1.439% 24/02/2026","pct":5.3},{"name":"Rabobank New Zealand Limited Rcd Maturing 01/05/2026","pct":4.2},{"name":"Asb Bank Limited Rcd Maturing 09/02/2026","pct":3.5},{"name":"Asb Bank Limited Rcd Maturing 27/02/2026","pct":3.5},{"name":"Rabobank New Zealand Floating Rate Note 16/03/2026","pct":3.3},{"name":"Industrial And Commercial Bank Of China Rcd Maturing 19/03/2026","pct":3.1},{"name":"Westpac New Zealand Limited 3.02% 06/10/2026","pct":2.8},{"name":"Asb Bank Limited Rcd Maturing 10/02/2026","pct":2.8}]},{"type":"kiwisaver","risk":"balanced","rn":3,"name":"Conservative Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":6.5,"r3":2.3,"r5":2.6,"fee":0.67,"inception":"2015","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["New Zealand Government Bond 3.0% 20/04/2029 2.65%","New Zealand Government Bond 3.50% 14/04/2033 2.59%","New Zealand Government Bond 1.50% 15/05/2031 2.53%"],"desc":"Invests mostly in defensive assets such as fixed interest and cash, with only limited investment in growth assets such as shares and real assets. May be suitable for investors who want to achieve slightly higher returns than those expected from investing solely in the Cash fund. Investors need to...","invests":"international fixed interest 35%, new zealand fixed interest 27%, cash and cash equivalents 18%, international equities 15%","annual":{"2017":3.5,"2018":3.5,"2019":3.5,"2020":0.5,"2021":6.6,"2022":0,"2023":-1.8,"2024":4.8,"2025":4},"holdings":[{"name":"New Zealand Government Bond 3.0% 20/04/2029","pct":2.6},{"name":"New Zealand Government Bond 3.50% 14/04/2033","pct":2.6},{"name":"New Zealand Government Bond 1.50% 15/05/2031","pct":2.5},{"name":"New Zealand Government Bond 4.50% 15/05/2030","pct":2.3},{"name":"New Zealand Government Bond 1.75% 15/05/2041","pct":2.2},{"name":"New Zealand Government Bond 0.25% 15/05/2028","pct":2.1},{"name":"New Zealand Government Bond 2.75% 15/04/2037","pct":1.9},{"name":"New Zealand Government Bond 4.25% 15/05/2036","pct":1.8},{"name":"New Zealand Government Bond 2.00% 15/05/2032","pct":1.8},{"name":"New Zealand Government Bond 4.25% 15/05/2034","pct":1.4}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Growth Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":12.1,"r3":4.5,"r5":6.9,"fee":0.88,"inception":"2015","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["Fisher & Paykel Healthcare Corporation Limited 3.33%","Nvidia Corporation 2.64%","Apple Inc 2.35%"],"desc":"Invests predominantly in growth assets such as shares and real assets with only a limited amount in defensive assets such as fixed interest and cash. May be suitable for investors wanting to invest mostly in growth assets who are comfortable accepting more volatile returns than those expected fro...","invests":"international equities 53%, australasian equities 22%, international fixed interest 14%, new zealand fixed interest 5%","annual":{"2017":9.1,"2018":7.7,"2019":5.3,"2020":-5.2,"2021":24.8,"2022":2.8,"2023":-4.3,"2024":12.2,"2025":5.5},"holdings":[{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":3.3},{"name":"Nvidia Corporation","pct":2.6},{"name":"Apple Inc","pct":2.4},{"name":"Infratil Limited","pct":2},{"name":"Auckland International Airport Limited","pct":2},{"name":"Microsoft Corporation","pct":1.9},{"name":"Contact Energy Limited","pct":1.4},{"name":"The A2 Milk Company Limited","pct":1.3},{"name":"Amazon.Com Inc","pct":1.3},{"name":"Alphabet Inc","pct":1.2}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"High Growth Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":14.1,"r3":5.3,"r5":8.3,"fee":0.94,"inception":"2015","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["Fisher & Paykel Healthcare Corporation Limited 3.44%","Nvidia Corporation 3.37%","Apple Inc. 3.0%"],"desc":"Invests almost entirely in growth assets such as shares and real assets, with only a small amount invested in defensive assets such as fixed interest and cash. May be suitable for investors wanting to invest predominantly in growth assets, who want higher long-term returns and are comfortable wit...","invests":"international equities 67%, australasian equities 23%","annual":{"2017":10.5,"2018":9.1,"2019":6.1,"2020":-6.6,"2021":30.3,"2022":3.3,"2023":-4.4,"2024":14.2,"2025":6.2},"holdings":[{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":3.4},{"name":"Nvidia Corporation","pct":3.4},{"name":"Apple Inc.","pct":3},{"name":"Microsoft Corporation","pct":2.5},{"name":"Infratil Limited","pct":2.1},{"name":"Auckland International Airport Limited","pct":2},{"name":"Amazon.Com Inc","pct":1.6},{"name":"Alphabet Inc","pct":1.6},{"name":"Contact Energy Limited","pct":1.4},{"name":"The A2 Milk Company Limited","pct":1.3}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Moderate Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":8.2,"r3":2.9,"r5":3.8,"fee":0.73,"inception":"2015","benchmark":"The composite index return is the strategic asset allocation weighted benchmark index return, whe...","topHoldings":["New Zealand Government Bond 3.0% 20/04/2029 1.97%","New Zealand Government Bond 3.50% 14/04/2033 1.92%","New Zealand Government Bond 1.50% 15/05/2031 1.88%"],"desc":"Invests mainly in defensive assets such as fixed interest and cash, with about 40% invested in growth assets such as shares and real assets. May be suitable for investors who want to invest in a broad mix of assets and who are comfortable with a higher degree of volatility in returns than can be ...","invests":"international fixed interest 29%, international equities 26%, new zealand fixed interest 20%, cash and cash equivalents 11%","annual":{"2017":4.6,"2018":4.5,"2019":3.9,"2020":-0.7,"2021":11.3,"2022":0.8,"2023":-2.7,"2024":6.9,"2025":4.4},"holdings":[{"name":"New Zealand Government Bond 3.0% 20/04/2029","pct":2},{"name":"New Zealand Government Bond 3.50% 14/04/2033","pct":1.9},{"name":"New Zealand Government Bond 1.50% 15/05/2031","pct":1.9},{"name":"New Zealand Government Bond 4.50% 15/05/2030","pct":1.7},{"name":"New Zealand Government Bond 1.75% 15/05/2041","pct":1.6},{"name":"Fisher & Paykel Healthcare Corporation Limited","pct":1.6},{"name":"New Zealand Government Bond 0.25% 15/05/2028","pct":1.5},{"name":"New Zealand Government Bond 2.75% 15/04/2037","pct":1.4},{"name":"New Zealand Government Bond 2.00% 15/05/2032","pct":1.3},{"name":"New Zealand Government Bond 4.25% 15/05/2036","pct":1.3}]},{"type":"kiwisaver","risk":"balanced","rn":4,"name":"Shares Fund","tag":"Active Balanced","letter":"M","color":"#1a237e","provider":"Mercer","r1":15.2,"r3":6.5,"r5":9,"fee":0.96,"inception":"2015","benchmark":"The market index return is the strategic asset allocation weighted benchmark index return, where ...","topHoldings":["Fisher & Paykel Healthcare Corporation Limited 3.84%","Nvidia Corporation 3.68%","Apple Inc 3.28%"],"desc":"Invests almost entirely in shares. 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