Insights
Our 5-year KiwiSaver returns are ahead of the rest*

All three funds in the Pathfinder KiwiSaver Plan ranked top for 5-year returns in their category in the latest Morningstar KiwiSaver Survey September Quarter End 2024. This means all three of our KiwiSaver funds generated the top 5-year returns (as of 30 September 2024) * in their category.

Pathfinder KiwiSaver Growth Fund
1st in the Multisector Growth category out of 19 providers

Pathfinder KiwiSaver Balanced Fund
1st in the Multisector Balanced category out of 22 providers

Pathfinder KiwiSaver Conservative Fund
1st in the Multisector Conservative category out of 16 providers

For us, achieving first place in 5-year returns from investing ethically gives our investors the best of both the things we (& they) care about: ethics and returns. Because we believe people deserve every opportunity to retire with dignity and to do so in a manner that doesn’t compromise their values, we’re extremely proud of this outcome.

While our 5-year KiwiSaver returns are top of the table, it’s important to remember that returns always go up and down and past performance is not a guarantee of future results. While this can sound concerning, the overall objective is to provide investors with long-term returns to help fund your retirement.

And, as an ethical investor, our investible universe gets reduced by applying our exclusions. This means there will be profitable investments that we turn down because they do not comply with our ethical approach (read our Ethical Investment Policy for more details on our exclusions).

But we fundamentally believe that ethical investing should not have a net negative impact on long-term financial returns, and these returns are proof to that.

At Pathfinder we’re developing a new approach to investing, because of this, we’re always exploring how we can improve. Everything from our disclosures to our investment process, to how we communicate to investors how their money is managed and the impact our investments are having on the world around them.

Investing is complex, so is the Philosophy of Ethics. While we seek to avoid harm and aim to invest for good – harm can be hard to identify or difficult to agree on, and good can be hard to quantify.

At Pathfinder, we’re in the business of incremental improvements (which includes the need for humility and the ability to adapt when we identify things we can do better) to deliver the outcomes our investors chose us for: a thoughtful balance of returns and ethics.

*Results are from the Morningstar KiwiSaver Survey September Quarter End 2024 for a period of 5 years as of 30/09/2024. © 2024 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution in New Zealand.

The issuer of the Pathfinder KiwiSaver Plan is Pathfinder Asset Management Limited. To see a Product Disclosure Statement for the offer please click here. To learn more about our approach to Ethical Investing please click here. Past performance is no guarantee of future returns. We encourage all investors to seek financial advice prior to making investment decisions.