More about our scheme and your options
Which investment option is best for you?
One of the most important decisions to make when joining KiwiSaver is how you want your savings managed. You might not have the skills or experience to manage investments (that's what we do for you!) but we need guidelines from you so that we manage your savings appropriately.
Fisher Funds understands that every investor has different investment goals (and timeframes in which to achieve these) and that investors have varying appetites for risk. We have developed our Scheme to allow you to select or tailor the KiwiSaver investment strategy that you consider meets your needs.
Before choosing your investment strategy, it is important that you think about:
- your investment timeframe (how long you have to save until your retirement); and
- your investment goals (are you saving to buy your first home or growing your savings for retirement?); and
- how comfortable you are with the value of your savings fluctuating.
We think growth assets such as shares are important, as most KiwiSaver members have a long time to save for their retirement. Historically, investing in growth assets has produced better long term returns than investing in other asset classes, minimising the impact of inflation over time on your savings.
If you are nearing retirement or saving for your first home, you may want to have a more conservative investment approach. Income assets such as cash and fixed interest typically produce more stable returns in the short term.
Don't fret! You're not locked in to this for life. If your situation or thinking changes you can change your investment strategy up to twice a year at no cost.
