Looking to invest for 5+ years? This Fund could be the one for you
Average annual return:
6.7% p.a. since inception July 2019
Minimum suggested time frame:
Estimated fund fees:
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We focus on investing positively. This includes selecting well-managed, quality companies that meet our ethical standards and, where we can, private companies that have real-world impact.Learn more about our investments
What we don’t invest in:
We seek to avoid investments that disrespect people, our planet and animals (some examples below). Note that we may still hold these investments in limited situations. Please hover over any ? icons for more details or read our Ethical Investment Policy.
We permit investments in companies that do not derive more than 5% of identifiable revenue from the exploration, extractive, conversion (with respect to thermal coal) or distribution (except by rail) of fossil fuels. See our Ethical Investment Policy for more details.
We allow investments in companies that do not derive more than 5% of identifiable revenue from alcohol beverage production, processing, manufacture, or sales. See our Ethical Investment Policy for more details.
Palm Oil & GMOs?
We permit investments in companies that derive no more than 5% of identifiable revenue from the commercialised production and sale of GMOs, or no more than 5% of revenue from the sale of palm oil and palm oil products. See our Ethical Investment Policy for more details.
We permit investment in companies that derive no more than 5% of identifiable income from the production and distribution of conventional weapons and their components. We allow investments in companies that earn no more than 50% of identifiable income from non-weapons related services or products to the military. See our Ethical Investment Policy for more details.
We permit investments in companies that derive no more than 5% of identifiable revenue from the production or distribution of adult entertainment material. See our Ethical Investment Policy for more details.
We allow investments in companies that do not derive more than 10% of identifiable revenue from the sale of tobacco related products and services. See our Ethical Investment Policy for more details.
We will allow investments in companies that derive no more than 5% of identifiable revenue from owning or operating gambling establishments. See our Ethical Investment Policy for more details.
Animal testing is a complex area for investing. See our Ethical Investing Policy for details of our approach. We can (and do) in exceptional circumstances permit investment in a company connected with animal testing - such exceptions are approved on a case-by-case basis by the Ethics and Investment Committee. Contact us for further details.
p.a. since inception*
Past performance is no guarantee of future return. We encourage all investors to seek independent financial advice prior to making investment decisions. *31/07/19 (date of inception). To compare fund returns against the fund benchmark visit our Performance and Returns page.
Performance figures as of 31/01/2024, and are after fees before tax
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The risk rating reflects how much the value of the Fund’s assets goes up and down (volatility). A higher risk generally means higher potential returns over time, but more ups and downs along the way. This risk indicator is not a guarantee of a fund’s future performance. The Fund does not have a five-year history. The risk indicator was prepared using the relevant market index returns, when the fund was not in existence, and the funds returns since inception. As a result the risk indicator may provide a less reliable indicator of the potential future volatility of the Fund.
Compare our funds.
Choose the right fund for your risk tolerance and goals.
|Medium to High
|Likely fluctuation in value
|More than the Balanced or Conservative Funds
|More than Conservative Fund but less than Growth Fund
|Less than the Balanced or Growth Funds
|Minimum suggested time frame
|8-10 years (long term)
|Estimated fund fees
|Fund return since inception
The Pathfinder KiwiSaver Balanced Fund has been designated a Certified Responsible Investment by RIAA (Responsible Investment Association Australasia).
The fund is diversified across asset classes, industries and geographies. We use environmental, social and governance metrics, as well as financial metrics when making investment decisions.View Holdings
9.6% Cash and Cash Equivalents
15.0% New Zealand Fixed Interest
22.5% International Fixed Interest
13.6% Australasian Equities
31.0% International Equities
3.3% Listed Property
5.0% Other Assets
Number of Holdings
Cash (and Cash Equivalents), NZ Fixed Interest, International Fixed Interest, Australasian Equities, International Equities, Listed Property, Other Assets.
Morningstar® Target Allocation Index™: Balanced Multisector for New Zealand (non-New Zealand Fixed Interest 100% hedged to NZD. The index is gross of dividends and tax except for International Equities and International Listed Properties, which are gross of dividends after deducting the tax withheld)
Current Hedging Target
100% of non-NZD Fixed Income exposure
0% of other non-NZD exposure
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