When choosing your own Fund, it’s vital to think about how much time you have before you need your savings and how comfortable you are with the value of your savings going up and down in value. The longer you have until retirement the more growth assets you should hold to maximise the potential of your Generate KiwiSaver Scheme account balance. But, if you are planning to buy your first home or nearing retirement in the next three years you should consider the Conservative Fund. You can also choose to split your savings into more than one Fund to give you as much flexibility as possible over your investment in the Scheme.
Remember, the test is a general guide only and not financial advice, nor a personalised financial adviser service under the Financial Advisers Act 2008. It does not take into account your personal financial situation or goals.
....or use our automated age based investment options: Stepping Stones and Stepping Stones Growth
If you select either of our Stepping Stones options, we automatically set your investment mix each year based on your age. By investing in a mix of funds that suits your age you can enjoy the benefits of growth investments as well as the protection of conservative investments when you need them most. Our Stepping Stones provide this by allowing you to split your investment between our funds in a hassle free way.